Regulating The Use Of Prescription Drug Databases In Health Insurance Underwriting

<span style="font-family: Times New Roman; font-size: small;"> </span><p style="margin: 0in 0.5in 0pt; text-align: justify; mso-pagination: none;" class="MsoNormal"><span style="font-size: 10pt;"><span style="font-family: Times New Roman;">This paper examines the use of commercially-available prescription drug profiles in the underwriting of individual and small-group health insurance plans.<span style="mso-spacerun: yes;"> </span>It explains how these profiles are developed and used by insurers and analyzes their potential advantages and disadvantages to both insurers and consumers.<span style="mso-spacerun: yes;"> </span>Current and pending legislation and regulations governing the use of these prescription databases are also explained.</span></span></p><span style="font-family: Times New Roman; font-size: small;"> </span>