Response Letter to Drs. Morton and Goldstein

Discrimination Against the Unhealthy in Health Insurance

“…The research teams themselves highlighted this concern: 332 one group concluded by stressing the importance of "discourag[ing] the adoption of cost containment systems that encourage poor medication choices in the first place." 333 Unfortunately, while the extant research reaches no definitive conclusions, it does reinforce concerns that significant cost incentives may often lead consumers-even those with life-and disability-threatening conditions-to disregard the venerable proverb that "an ounce of prevention is worth a pound of cure. "…”