Life insurance and HIV testing: insurance theory, discrimination and solutions

Part 1 describes briefly how the market for life insurance deals with HIV infection and how society has reacted to its policies. Part 2 examines the arguments for and against HIV testing: does it discriminate against individuals or is it just a logical extension of risk estimation procedures and underwriting techniques? In part 3 possible solutions are considered. Are solutions in the private sector, like banning HIV testing, warranted, should we look for a public solution that does not burden the private insurance industry, or is a mixed public-private solution desirable?