Thursday, April 5, 2007

"... I'd type a little faster."

Reason’s science correspondent Ronald Bailey expects to die on September 4, 2027. Well, no, not really. He derived that date from a whimsical little internet site called the Death Clock, according to which I died on July 18, 1995. ("Either this man is dead or my watch has stopped." - Groucho)

Less whimsically, Bailey wrote recently (and spoke today on NPR) about emerging diagnostic technology that will permit individuals to learn their likely life expectancy with far more than mere actuarial probability. Some of these tests for some sorts of likely fatal illnesses exist already. More such tests for more such diseases are on the horizon.

Bailey’s not unreasonable position about such advances is that they are a good thing; that the average individual should both want and have access to such information. The medical community, on the other hand, is a bit more conflicted. Physicians regularly tout the life saving advantages of routine examinations of various sorts designed to provide early detection of illnesses for which, if caught in time, viable treatment options and a more successful prognosis are possible. But doctors don’t like giving bad news, whether the bad news is that you’re going to die in a matter of months or, assuming you would otherwise likely live longer, some five or ten years from now because of some fatal disease or disorder.

I admit to being somewhat conflicted myself about having access to such information. As Bailey correctly argues, the individual who is aware of the time and nature of his likely demise is better equipped to make the most of what time remains. In some cases, he is also better equipped to take whatever measures may be available, if not to avoid, at least to postpone that fate. Eventually, perhaps, a more advanced medical technology will allow us not only to identify such genetic diseases but also to cure them. "Eventually", however, may well be a long time away. The question for now is whether or how to use the information in the meanwhile.

Would the average person really profit from having such information available to him? I don’t know. I remember a television series from the 1960’s called Run For Your Life about a man named Paul Bryan who, being told by his doctors he had at most a year or two to live, set off to squeeze out every moment of his remaining time. Of course, it helped Bryan that he had a lucrative law practice to cash in and make the run possible. A show based on the remaining days of Paula Bryan, former librarian, would have suffered from far fewer exotic locations. (The show, by the way, lasted three seasons. Apparently you can get a temporary reprieve from death with high enough ratings.)

Knowing in one’s youth that one had a shorter than normal life expectancy, say only twenty more years, would indeed drive career, lifestyle and even family decisions. But how would the typical person really react to such news? As matters stand, the only two sorts of people who know the exact time and place of their death are suicides and death row inmates. Neither are role models to which the typical person aspires. Indeed, when doctors do have to break the bad news to patients, their doing so is commonly referred to as “delivering a death sentence.” No wonder physicians shy away from that part of the job.

If the only question is whether people have a right to discover, for better or worse, such information about themselves, I agree wholeheartedly with Bailey that they should. As to whether they should seek such information, well, that’s a bit trickier.

Far more troubling, however, as the technology for such information becomes available (and indeed it increasingly will), is who other than the patient will have, indeed, will require such information. Will life and health insurance companies demand such information as a precondition of coverage? It certainly seems likely that they will and, moreover, that those of us who come up losers already in the genetic lottery will find ourselves doubly stricken as we therefore become unable to secure either health or life insurance sufficient to care for our health needs when the inevitable occurs or for our survivors afterward.

Insurance is, after all, about pooled risks. It is, if you will, a sensible way of dealing with ignorance. Perhaps it will not remain a viable way to finance health care or survivor needs in a future in which such ignorance is increasingly replaced with knowledge. For better or worse, however, this is the system we have for now and these are issues that must be confronted and resolved.

(Title quote from Isaac Asimov: "If my doctor told me I had only six minutes to live, I wouldn't brood...")

12 comments:

Grotius said...

Hey,

OT: I put you on my "blogroll." though I don't call it a blog roll.

See here.

D.A. Ridgely said...

Welcome, Grotius, and thanks!

Grotius said...

Yeah, you should feel honored. It is a very exclusive distinction. ;)

Good luck, etc. with the blog.

D.A. Ridgely said...

It is! I took a peek and found I'm in very rarefied company, indeed. And thanks again!

Seamus said...

Far more troubling, however, as the technology for such information becomes available (and indeed it increasingly will), is who other than the patient will have, indeed, will require such information. Will life and health insurance companies demand such information as a precondition of coverage?

Not only will they probably do so, they'll have to do so if the insurance system isn't to break down, or premiums for everyone to get hiked up to astronomical levels. Information asymmetry, in which insured know exactly the state of their health while insurers can only guess at it (using such proxies as age, sex, smoking/nonsmoking status, occupation, and education) is about the purest example imaginable of what the insurance industry calls "moral hazard." Under such asymmetry, a rational insurance company would have to assume that people who know they have no significant health problems will choose disproportionately to go without insurance, so that a disproportionate number of those trying to buy insurance are doing so precisely *because* they know something the insurance company doesn't. To cover the expected payouts, the insurance company will therefore have to jack premiums up to the point where everyone is paying as if they were HIV-positive two-pack-a-day smokers who drive fast on drugs while having their wing-wangs squeezed (whether or not they spill their drinks).

(Sorry for my incompetence in trying to post this comment the last time.)

D.A. Ridgely said...

Wing-wangs? Anyway, yes, if the market is free to take such considerations into account, you're precisely right. The equally troubling question, especially in an industry as highly regulated as insurance already is, is whether politically they will be permitted access to that information. Moreover, pleading that the industry cannot long survive if it doesn't may be to no avail, especially from those political quarters that would rather have the government control health care in the first place.

Seamus said...

Well, requiring everybody to have government-run health insurance, and charging everybody the same premium (or a means-adjusted premium, called the federal income tax) would certainly solve the moral hazard problem. Sounds like a no-brainer to me. (To paraphrase Venkman in Ghostbusters: "It's true; this man has no brain.")

D.A. Ridgely said...

Oh, I quite agree, and that is precisely the sort of unintended consequence of this emerging technology that I don't think Mr. Bailey fully appreciates.

Seamus said...

I doubt that anyone gives a rat's patoot, but on reflection, I realize that what I described as "moral hazard" is actually what the insurance gurus call "moral hazard." (It's what comes of vaguely remembering terms I heard during my insurance law class almost twenty years ago (the days I actually went to class).)

Seamus said...

what I described as "moral hazard" is actually what the insurance gurus call "moral hazard"

Uh, that second "moral hazard" should have been "adverse selection". (I know, I know: preview is your friend.)

Ron Bailey said...

Great blog! Actually, I do appreciate some of the consequences. See my column "Information Discrimination."

D.A. Ridgely said...

Welcome, Mr. Bailey! Drop by and leave a comment more often.

I suppose I just assumed that between your nigh on unbridled enthusiasm for medical advances and your whimsical concern over the eschatological status of aborted embryos the insurance implications of the March of Science might have escaped your notice. My mistake.