title: Life insurance and HIV testing: insurance theory, discrimination and solutions.
abstract: Part 1 describes briefly how the market for life insurance deals with HIV infection and how society has reacted to its policies. Part 2 examines the arguments for and against HIV testing: does it discriminate against individuals or is it just a logical extension of risk estimation procedures and underwriting techniques? In part 3 possible solutions are considered. Are solutions in the private sector, like banning HIV testing, warranted, should we look for a public solution that does not burden the private insurance industry, or is a mixed public-private solution desirable?
authors.forename: L
authors.initials: L
authors.lastname: Bergkamp
mesh_terms: D015492:AIDS Serodiagnosis; D003219:Confidentiality / Q000331:legislation & jurisprudence; D003365:Costs and Cost Analysis; D033161:Government Regulation; D006801:Humans; D007352:Insurance, Life / Q000331:legislation & jurisprudence; D008403:Mass Screening / Q000331:legislation & jurisprudence; D011287:Prejudice; D018570:Risk Assessment; D014481:United States