Under what circumstances may a health insurer charge a higher premium to a woman with a genetic disposition to breast cancer? a. she has breast cancer. b. her sister has breast cancer but she doesn't. c. her mother has breast cancer but she doesn't. d. health insurers can never discriminate based on genetic information in this way.

The answer is: D. Health insurers can never discriminate based on genetic information in this way.

In the past, the insurance companies indeed able to put higher premium on people with bad genetic disposition. But  in 2009, united states government enacted The Genetic Information Nondiscrimination Act.

This bill prevented the insurance companies to treat people differently based on genetic mutation that they have.

yes, it is pretty much the same thing, which is cool. : )

out of the choices i'd say d the ability to set goals, mainly because to desire to continue you need motivation but it isn't motivation in that part, but setting goals means you have an endgame and you want to reach it which sums up motivation.