This paper describes current pattern of insurance coverage for precision medicines and, especially, companion diagnostics and explores what coverage would improve efficiency. We find that currently coverage is common for tests and treatments with clinical acceptance used at high volumes but is...

This informal paper explores models of competitve insurance market equilibrium when individuals of initially similar apparent risk experience divergence in risk levels over time. The information structrue is modeled in three alternative ways: all insurers and insureds know risk at any point in...