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At this point do you really need the genetic data to get the same effect? I throw out my back, I upgrade my insurance, then I get the surgery. The doctor says I have 90% blockage in my arteries,I upgrade insurance, then I get the bypass. It seems like genetic data will have less influence than people making changes based on empirical observations of their health.



I don't know specifics about the USA, but certainly in the UK, private healthcare insurance works like most other forms of insurance, i.e. Pre-existing conditions or other relevant information is either not covered or must be declared and will be used to adjust premiums.

No car breakdown insurance lets you take out a policy to cover the vehicle after it has already broken down...




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