A new test identifies individuals with a genetic predisposition to develop heart disease before age 70. People who are predisposed to heart disease cost twice as much to insure as those who are not.

a. can you make a case that a law prohibiting this test would be a good idea?

b. The test is not expensive. Would you prefer to skip the test and buy insurance at a premium that covers everyone or take the test and buy insurance at a premium that covers your group?