WellPoint said some of its plans were hurt by adverse selection, which involves healthy members dropping coverage and leaving a greater concentration of people who generate more in claims than they contribute in premiums.

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Organizations seeking to expand health coverage were quick to praise the selection.

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If genetic information is kept secret from insurers, but individuals have the freedom to add or drop insurance coverage, then problems of adverse selection may arise.

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In America, risk selection is tempered by the link between insurance coverage and employment, which means that insurers chosen by employers have to offer coverage to all employees.

ECONOMIST: There must be a better way

Semifinals: Coverage of two semifinals each year matching four seeded teams identified by a selection committee to be named by the commissioners.

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