DNA Testing Could Kill Insurance Industry


COMPANIES WHO SELL LIFE
INSURANCE POLICIES AND LONG-TERM CARE POLICIES ARE VERY MUCH
CONCERNED ABOUT THE UPPER HAND YOU HAVE AS A CONSUMER WHO HAS
DONE GENETIC TESTING THROUGH SERVICES LIKE 23 AND ME AND THE
REASON WHY THEY ARE CONCERNED ABOUT IS BECAUSE YOU ARE ARMED
WITH KNOWLEDGE ABOUT YOUR OWN HEALTH THAT COULD GIVE YOU AN
ADVANTAGE OVER THESE INSURANCE COMPANIES. ACCORDING TO A RECENT REPORT: SO WHEN THEY OFFER THESE
POLICIES OF COURSE THEY DO EVER PROFIT AND THEY TAKE A
CALCULATED RISK WHEN THEY GRANT SOMEONE THE SALE OF THAT
POLICY. THEY CAN DENY THE POLICY FOR
CERTAIN INDIVIDUALS WHO ARE UNHEALTHY OR DEEMED A RISK BUT
NOW THAT WE HAVE THESE TESTS AND NOW THAT THEY ARE NOT CONNECTED
TO OUR INSURANCE IN ANY WAY, THEY DO NOT HAVE TO BE REPORTED
TO THE MEDICAL INDUSTRY IN ANY WAY, THESE INSURANCE COMPANIES
ARE WORRIED THAT IF YOU KNOW THAT YOU HAVE SOME SORT OF
GENETIC PREDISPOSITION TO AN ILLNESS, YOU WILL SIGN UP FOR
THESE SERVICES AND THEY WILL LOSE MONEY. THAT IS WHAT THEY ARE CONCERNED
ABOUT. OF COURSE. ONE OF THE INSURERS SAID WE
WOULD NEVER USE THIS INFORMATION TO DISCRIMINATE. WHAT WOULD YOU USE IT FOR? YOU ARE GOING TO FIND OUT THE
GUYS GOING TO DIE IN FIVE YEARS, NOT DIE IN FIVE YEARS,
THAT HE IS GOING TO HAVE AN EXTENDED END-OF-LIFE WHICH IS
WHAT THIS INSURANCE IS FOR, BUT I WILL NOT USE THAT AGAINST
HIM. I WILL CHARGE IN THE SAME RATE. THEN WHY DO YOU WANT TO FIND
OUT? DURING INDUSTRY MEETING, ONE OF
THE EXECUTIVES FOR ONE OF THESE COMPANIES SAID: BY THE WAY KEEP IN MIND WHEN IT
COMES TO THESE COMPANIES, THERE ARE LUCKILY FOR NOW REGULATIONS
THAT PREVENT THEM FROM OBTAINING THIS TYPE OF GENETIC INFORMATION
SO: I WOULD YOU THE LOOPHOLE THEY
ARE USING TO GET AROUND THAT. IF YOU WENT TO YOUR DOCTOR AND
GOT SOME TESTING, WHEN THEY ASK YOU FOR YOUR DOCTORS RECORDS
WHEN THEY’RE GIVING YOU THE INSURANCE, IT IS IN THERE. GOLLY GEE, HOW TO KNOW WHEN TO
GETTING THAT INFORMATION? THAT IS HOW THEY USED AGAINST
YOU. BY THE WAY, THIS IS
NOT A PLUG FOR 23 AND ME, BUT THOSE GUYS, THEY ARE
NOT YOUR DOCTORS SO IT IS HARDER TO GET ACCESS TO THAT
INFORMATION. THAT IS WHY THESE INSURANCE
COMPANIES ARE REALLY MATTED THINGS LIKE 23 AND ME. THEY ARE LIKE GIVE ME THAT INFO. THEY SAY IT IS AN UNFAIR
ADVANTAGE TO THE CONSUMER THAT THEY GET TO HAVE
INFORMATION THAT THE INSURANCE COMPANY DOES NOT HAVE. I KNOW, THE CONSUMER IS SO
UNFAIR TO THESE GIANT CORPORATIONS. IT IS RIDICULOUS. BY THE WAY, FOR NOW I KNOW THAT
THESE COMPANIES HAVE A VERY DIFFICULT TIME TRYING TO OBTAIN
THIS KIND OF INFORMATION AND 23 AND ME, AS FAR AS I KNOW AND
OTHER SIMILAR COMPANIES THAT OFFER THESE SERVICES ARE
NOT SHARING THIS INFORMATION WITH THESE INSURANCE COMPANIES,
HOWEVER, I DO NOT KNOW. I DO WORRY ABOUT WHAT THE FUTURE
HOLDS BECAUSE THIS IS OUR GENETIC MAKEUP. IT IS DATA THAT PEOPLE HAVE ON
US. IT IS STILL A PRIVATE COMPANY. I DO NOT KNOW WHAT THE FUTURE
HOLDS AND I DO NOT KNOW WHETHER OR NOT THE WRONG PEOPLE WILL
HAVE ACCESS TO THAT GENETIC MATERIAL IN THE FUTURE, SO THAT
IS MY LITTLE NOTE OF CAUTION BUT WITH THAT SAID I ACTUALLY HAVE
AN INTERESTING QUESTION TO ASK YOU, CENK. ARE YOU INTERESTED IN KNOWING WHAT IS
LIKELY TO KILL YOU? I WANTED TO ASK YOU THE SAME
QUESTION. WE DIDN’T TALK ABOUT IT EARLIER. YES. DEFINITELY. I NEVER SOME PEOPLE THAT ARE
LIKE I DO NOT WANT TO KNOW. FIRST OF ALL, I KNOW A LOT OF
YOU SOMETHING THAT A LOT OF YOU DON’T KNOW WHICH IS THAT WE ARE
ALL GOING TO DIE. YOU THINK YOU KNOW THAT. YOU KNOW YOU THEORETICALLY KNOW
THAT BUT YOU DON’T LIVE THAT WAY. SINCE OUR ONLY PERSPECTIVE IS
ONE OF BEING ALIVE, IT IS HARD TO FATHOM WHAT IT MEANS TO BE
DEAD AND NOT EXIST SO EVERYBODY GOES AROUND AS IF THEY ARE NOT
GOING TO DIE, AS IF EVERY DAY ISN’T PRECIOUS BUT IF YOU FOUND
OUT THAT YOU HAD AN ILLNESS THAT IS LIKELY TO KILL
YOU IN YOUR 50S, ALL OF A SUDDEN YOU WOULD PANIC
LITTLE BIT WOULDN’T YOU? BUT DUDE I HAVE TO TELL YOU,
YOU’RE GOING TO DIE. I DON’T KNOW IF YOU’RE GOING TO
DIE IN YOUR 50S OR 80S OR WHEN, BUT YOU ARE AND EVERYDAY IS
PRECIOUS SO IF YOU TOLD ME 50S, I WOULD CHANGE MY GAME
PLAN. OH, YEAH? WHAT WOULD
YOU DO? FIRST OF ALL, SORRY GUYS, I HAVE
TO GO, MAYBE I WOULDN’T. MAYBE I WOULD PUSH JUST AS HARD
AS I AM TODAY TO GET THE AMENDMENTS TO GET MONEY OUT OF
POLITICS, BUT THE MINUTE I GOT MONEY OUT OF POLITICS YOU
WOULD NEVER SEE ME AGAIN. I AM GONE. THEY ARE NEVER GOING TO GET ME. LOOK, I TRY TO GET THE MOST OUT
OF LIFE AND I DON’T KNOW, MAYBE IT IS CLICH… TO TRAVEL AND I’M
NOT THAT BIG OF A TRAVELER BUT I WOULD TRY TO GRINDING AWAY AND
WE DO, I LOVE THIS JOB BUT WE DO GRIND SO I
WOULD WANT TO KNOW BECAUSE IF I AM LASTING TO MY 80S, I’M GOING
TO HAVE A DIFFERENT GAME PLAN FOR MY LIFE THEN IF
I’M GOING TO MY 50S AND TO USE THINK I WOULD SPEND A
LITTLE BIT MORE MONEY? SORRY KIDS, IF YOU LEAVE ALL
THIS MONEY BEHIND AND YOU DID NOT SPEND IT BECAUSE YOU ARE
WORRIED ABOUT ALL MY GOD, DO I HAVE ENOUGH FOR END-OF-LIFE CARE
THEN YOU SCREWED UP. GO SPEND IT. IF YOU HAVE IT. WHAT YOU THINK WEST OH I ACTUALLY AM NOW PLANNING ON
DOING IT, DOING THIS TESTING TO FIGURE OUT WHAT I AM PREDISPOSED
TO FOR DIFFERENT REASONS. 1ST OF ALL, HE DOES NOT YOU WHEN
YOU’RE GOING TO DIE BUT IT DOES TELL YOU WHAT DISEASE YOU ARE
LIKELY TO SUFFER FROM LATER IN LIFE. I THINK THERE ARE CERTAIN
INSTANCES WHERE YOU CAN TAKE ACTIONS TO BE THAT DISEASE. FOR INSTANCE IF YOU ARE
PREDISPOSED TO CERTAIN TYPES OF CANCER, IF YOU HAVE A CERTAIN
TYPE OF CANCER GENE YOU CAN DO WHAT ANGELINA JOLIE DID FOR
INSTANCE, SHE DECIDED TO REMOVE HER OVARIES AND DOUBLE
MASTECTOMY AND ALL OF THAT. I WOULD WANT TO TAKE THE PROPER
PRECAUTIONS BUT IF THERE WAS A WAY FOR A WAY FOR ME TO FIND OUT
WHEN I’M GOING TO DIE, LET’S SAY RIGHT NOW I AM 31 AND I ONLY
HAVE ANOTHER FOUR YEARS TO LIVE, I WOULD CHANGE MY GAME PLAN. I
WOULD CERTAINLY BE MOUTHIER. YOU WOULD BE MORE MOUTHY? THAT GRAMMAR WAS NOT RIGHT. I WOULD BE MOUTHIER. YES
ABSOLUTELY. I HOLD BACK A LOT, YOU GUYS DON’T EVEN KNOW. THERE ARE CERTAIN INDIVIDUALS
THAT I FEEL LIKE I HAVE TO BE CIVIL TOWARD WHEN I DON’T WANT
TO BE BUT YOU HAVE TO BE A DECENT HUMAN BEING DIE IF I FOUR
YEARS TO LIVE I DON’T THINK THAT I WOULD CARE ABOUT BEING A
DECENT HUMAN BEING. CAN’T WAIT TO SEE AND UNLEASH
BUT I DO NOT WANT TO SEE THAT. I HOPE YOU UNLEASH IT
WHEN YOU ARE 84.

100 comments

Why do leftists hate Healthy people?
And why exactly Your insurance company shouldn't know about your genetic potential illnesses?

So the consumer is unfair by knowing more about himself and his needs than the insurance industry?… Hahahaha

Health insurance as it is currently is wrong. It actually changes guidelines for things like men's testosterone etc. Most men have testosterone levels of their grandfather's. Doesn't matter if ur fappin 10x a day. Most men still are low which leads to health problems and obesity

But how long before a Republican or establishment Democrat congress and Senate is bribed and pass legislation to allow the poor insurance companies access to genetic information databases, or a hack exposes these DNA testing companies databases to anybody. This is digital information… It is easily backed up and searchable. And it won't just be YOUR DNA, but half of that for all your descendents that will be at their disposal. This information is a knife-edge of pros and cons.

only adopted people (and maybe some orphans) won't be aware of their family history, liver/heart/cancer etc etc are generally well documented especially for the past 100 years.
if insurance companies are not already asking about your family history of illness when you sign up then they have been allowing people with known family history to "take advantage of them"

To counter Cenk's point about life being precious and knowing when/how you will die, how would you react if you knew you would live to 110 years old? I don't think people go through life as if they'll never die, most people live under the assumption that they will live to some average age range. In the US, this is 60-80 years old.

And to Cenk's point about saving less money and enjoying life more if he knew he would die at age 50 – why do you think poor people tend to live this way? Much of urban culture glorifies hedonism because the urban male youth has a lower life expectancy than several other subsets of the population. In the words of AZ, "life's a bitch and then you die. That's why we puff lye. Cuz you never know when you gonna go."

This does not worry insurance company. Insurance co know more about you than you do, 23 and me will sell your info for a nice profit screw 23 and me …. they will sell u out just mark my words

I can't imagine it would be that much of a financial burden for an insurance company to just flat out buy 23 and Me and/or Ancestry.

44 days into Turkey's unprovoked attack (killing ~50% civilians), on Syrian Kurds in Afrin, and your only mention of the Kurds, has been to slander them. You are indeed similar to the ultra-nationalistic Young Turk movement (who you choose to liken yourselves to), who did 3+ genocides and suppressing/oppressing/killing any remaining non-Turks.

Misleading, straight out lying, overhyped click-bait video title?
Yeah, that's a sign of proper journalism…
Aren't you guys supposed to be the ones who do real journalism, unlike the traditional news outlets? How about you actually act like it?

I'd want to know and it wouldn't affect how I live.

I live how I want to live if I died tomorrow.

Only thing that might change is having a last supper and taking the week I'm dying (if I 100% new it) off to spend with family.

TYT are bought by Soros. They want your DNA. Do not go to 23andme. In your DNA can be things that make insurance expensive.

What about epigenetics (gene expression) Just because you have a certain gene that makes you susceptible to a disease doesn't mean you are going to develop it.

What if im a transgender and my dna test tells me im male ???? Theese tests are biggoted and racist! Against people that was born whit the sickness " white male" and decided to fix your self by becoming a beutiful: gender fluid, person of colour, transgender super female power.

All that work for having a dna test tell you that your suffering from insanity? The young turks are racists and biggoted for even telling me this couls happen.

If you have this genetic information and don't pass it onto a possible insurer, wouldn't that be insurance fraud.

I won't get my genetic profile unless it is truly anonymized, and conducted by a collectivized entity. i.e. Crowd funded secure facilities owned and controlled by the clients, with very short data retention. Even if it's available, I may not participate. I chose not to know the gender of my child until birth.

Also, it is WRONG to make someone pay more just because they have a predisposition. A predisposition is not the same as a predetermination.

watch an old fil from late 1990'a I think It's called Gattaca starring Ethan Hawke, Jude law, Uma Thurman. it show a terrible future based on people knowing you DNA. A hand shake at a job interview, they test then deny you the job.

Of course, if we end up with a huge bias so that most of the people in a fund have a pre-disposition to a disease, and those without opt out, the cost will increase. Another fantastic reason to have universal healthcare. That way the costs are defrayed across the community. Healthcare is a right.

Every human being knows exactly what death is like, it’s so obvious really. Just think about this. What was it like for the billions of years before you where born? See you know.

real-life cenk will eventually die, as will all of us. but cyber cenk will forever be chilling with ana on youtube

That is the exact point of insurance, whether health or otherwise, to make funds available when needed in an emergency; otherwise what is the point?

haha I would be more 'mouthy too. and I would get the same reaction πŸ˜€
but they really don't know what 'we are holding back πŸ˜‰

Oh come on Cenk. Don’t act all high and mighty, you eat shitty and know that’ll prolly kill you yet you do it anyway… yes we’re all going to die but don’t act like you know it more than we do

LOL. You guys know so little science you're embarrassing yourselves. These at home genetic testing are jokes. That the insurance companies are also stupid doesn't change the fact that you guys are truly stupid.

My nephew at the beginning of the school year returns home with a letter from the school stating; As new policy the school system would like to swob students and keep their DNA and Medical records on file. They also wanted to take dental x-rays. My brother went to the school and informed them under NO CIRCUMSTANCES are they to swob, examine or probe my nephew. I think something nefarious is going on.

Of course they are sharing the DNA information that so many are voluntarily contributing to the data base. They have been talking about that for quite a while now.

If you think you don't have much time to live and gonna die soon there's cryonics to bring you back to life in the future.

Remember saw 5 for some reason the story made me think of it, how do you know none of your audience members are ghosts maybe some of us are dead already and you don't even know it. We could be Democratic integrity get it because the Democrats have no integrity.

As this is in america… Standby for insurers getting access to your DNA information in 5, 4, 3, 2…

Aren't they selling your informations though? One party of interest would be insurance companies for exemple, so they know more about your risks, and can increase the price you pay accordingly, which means more money for them… So "could kill insurance companies", I very highly doubt it is the case…

Also, if you are fortunate enough, you can always pay for cryonic preservation. It's worth a shot if you care about your life.

The actuaries have all the population data and all the insurance meta-data, so this problem is theoretical rather than actual. The real problem for them comes if there is a major step-wise increase in longevity without a similar increase in health status. Paying for a quarter century of long term care for everyone, that could break them!

πŸ₯€ Dear Ana,
Since DNA + Social Conditioning together, probably more than anything else, determine (WHO) we are, I get the impression that when someone is indeed a Decent Human Being, it's not something that can be easily altered or erased. Most of your students would most likely agree with this.πŸ™„ πŸ› 🌍 (San Francisco/March 4th, 2018)

If i have an illness that makes it difficult for me to drive, does knowing that give me an advantage over car insurance companies?

not knowing when we're gonna die is the glue that holds us together. we aren't stable enough to handle knowing

How dare people have the audacity to get adequate health coverage for their individual needs! Shame on them πŸ˜‚πŸ˜‚πŸ˜‚πŸ˜‚πŸ˜‚πŸ˜‚πŸ˜‚πŸ˜‚πŸ˜‚πŸ˜‚πŸ˜‚πŸ˜‚πŸ˜‚πŸ˜‚πŸ˜‚πŸ˜‚πŸ˜‚πŸ˜‚πŸ˜‚πŸ˜‚πŸ˜‚πŸ˜‚πŸ˜‚πŸ˜‚πŸ˜‚

For the people thinking that getting your DNA with one of these companies gives you a leg up. Don't, by adding your information, the insurance companies will be able to buy it from those companies. Maybe TYT is being manipulated into tricking you into doing this allowing the insurance companies to win.

I have been so many times to quote the song Knocking on deaths door. That as my outlook comes from being a Christ Follower, I will leave here and go to the next layer of my adventuresome life. This day is wonderful, it is longer than your day though. I get by on a lot less sleep than the average person, I do have my downer days where I sleep a lot but the biorhythm cycle I follow is more wakeful hours in a full cycle than the norm. So I live a lot. But I have medical issue that the insurance companies would just black list me. and the doctors looking at some of my charts would tell me I am going to die yesterday. But I don't think I will die suddenly without knowing about it beforehand. But I plan on living forever and ever and ever…..Just the other bit of my time from now till next week is unknown to me, which is way cool………….I plan by saving for some event that might happen, if it does I will have something handy then. Hey Lord, where did I put those Nuclear Launch codes again?

Your DNA doesn't really tell you how long you're going to live, it just points out diseases that you're genetically disposed to, and it doesn't even account for environmental and dietary factors.

This could be a vital resource for doctors, but I don't trust insurance companies with the information… If only we had a way around that… single payer?

Why are these companies holding your information at all? They should do the testing, give you the information + interpretation and delete it from their data bases (or at least give customers the option to have it deleted).

As if those insurance company employees wouldn't go sign up and get one of those genetic tests done themselves!!

23 and me sucks for sent one vile not enough DNA sent another it just failed and they are retesting due to lack of DNA

i never understood how HEALTH insurance companies could decline sick people… and everybody seen it as normal…. how is this normal?!

If you know you have a genetic fault then you shouldn’t apply for insurance, if you pay $50 per month but apply for insurance that will pay out $50,000 in 5 years time you are defrauding the insurance companies. They will go bust pure and simple and then no one will get insurance cover.

DNA is going to be the new Preexisting Condition. DNA problem= $$$$$premiums. UNLESS we have a single payer system that uses DNA to help all. Tired of being used by insurance monsters.

Disclaimer: All genetic testing labs. Make you sign away all your DNA rights to your sample. Meaning your DNA is legally theirs now and they can use it how they want without your consent.

I saw a video of one gal who confirmed that she had inherited Huntington's. She suspected she had it but it was a 50/50 genetic crap shoot for her. Now that she knows, she isn't saving for retirement because she'll never live that long. She refuses to have children because she doesn't want to pass that gene down to child that could be orphaned. And she certainly would never pay money for an insurance plan like this one. There wouldn't be any point. Insurance companies want people who will never use their benefits to sign up. But if people know they don't need it they'll never buy it, and of course the inverse is true.

Hate to tell you, but when go to one of these DNA companies you sign a release that give that company complete control of your genetic info. They can do whatever they want to with it, including selling it to insurance companies. It seems they haven't done that……YET, but it's a matter of time. They just need to come up with a way to hide it, and you had best believe that they will sell it. Read the fine print. Do not get any genetic testing that is not anonymous, and make sure you pay anonymously, and get the results anonymously.

Hmm.. Science taking down the corrupt industry that profits from our misfortunes?
Beautiful.
Now if we could just get some particular groups of individuals to accept the truths science has given us.

What makes anyone so sure the insurance companies couldn't bribe the genetics testing companies to share that information with them? The companies could make money from both.

when you die, you don't cease to exist. you go to another dimension/reality. still, live every day like its your last

Insurance always seemed insane to me…it really is a form of gambling and the insurance companies have the house advantage

Riiiight. When consumers game the system, it’s an unfair advantage. When companies game the system, they are β€œjob creators”.

I would not be surprised, if this Company, whom have all this information, is not selling, as they do our e-mail addresses, whereby every time we do a Search on this and that, then all of a sudden, different Companies POP-UP with the items we've been researching! You know dang well, this Company is SELLING our Health Info, just as our Government has ACCESS to EVERYTHING we DO and SAY on our Computer's and phones!

In the event a pay a company for my genetic analysis the rests should be my property not the prperty of that company to to hang onto and share.

I thought the tyt were aware of the 6th extinction we are all going to die sooner than later, Id be surprised if I was still living ing 2025. It's pretty much impossible to predict an expotential rate of increase, prepare for the worst

Cenk doesn't need a DNA test to find out what his near to long term health risks are. The combination of years of a stressful job and bad eating habits compounded with an almost complete lack of physical activity is a guaranteed recipe for heart disease or a stroke. Type II diabetes is also on the menu in his case because of his high sugar consumption. Many, if not most people don't take this seriously until it's too late.

Cenk's genetic makeup is a bizarre concoction of minotaur, buffalo, Satan and Kardashian, slopped together in an Armenian cloned fetus and drizzled with olive oil upon birth

The problem is like individual mandate. If only "potentially" sick people are buying health insurance, it's unsustainable. The only solution is single payer health insurance,

Oh yes….the insidious mafia based american medical and other insurance industries. Your war mongering, terrorist country is the laughing stock of the world and fat yanks are the most mind numbingly stupid, racist, trigger happy, inbred mother fuckers on the planet.

The irony is that people have long been worried that insurance companies get a hold of of our DNA and deny us coverage. Seeing as how we leave our DNA everywhere, that is still a possibility.

wake up its birth data-bio-testig they store in each state [ They ] know all about us from our birth and on and they can and do obtain everything

so 23 is actually hidden info i still wouldnt risk it but i have to have an interesting heritage so finding out when i might die would be a good thing

thx for this ha bisky vid i loved this a lot and i am not going to print my resume until it gets closer to vidcon 2019 but i feel like over the years i gave you most of it

the only reason i have having everything typed out is just in case my brain goes poof

cenk i live it that way i am pretty much live in the kill me already if i dont get my dream job state of mind and i want it to be a painless death where i wont be on dialysis and stuff like that if it comes to it i will put a DNR on my file so that way i know i will die and probably sooner

i remember once upon a time always wanting to never wake up when i would go to sleep so if that doesnt count i dont know what does

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