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Originally Posted by The_Jazz
The problem with using the genome method is that it won't be useful in group policies, which is by far the most popular form of health insurance. It's impractical from a legal standpoint for insurers to pick and choose who they'll accept within an employer's talent pool. If it started to happen, the states would make it illegal pretty damn fast.
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As I recall when I was still working we had to answer questions about age, smoking, weight, etc..for employer provided insurance but maybe that was more for disability or life insurance. Stll, I don't see why it would be too difficult to group people by risk and still get an employer negotiated group rate for health insurance. Don't some companies require you to pay more if you smoke, for instance, even if you are getting the group rate?