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It is illegal to discriminate on race. In insurance, that means denying coverage.
If you offer coverage but at a higher rate, you have to demonstrate to the state why that is. If you have accuarial data to prove your point, you can charge the higher rate. Young drivers, for instance, can easily be shown to be more likely to be in an accident, so every state allows higher rates for them as well as the elderly, who also have higher incident rates.
No state that I know of has tackled the DNA issue yet. Eventually they will, but there's no test for health insurance coverage. When it happens, the conventional wisdom is that there will be a special subset of folks that are charged higher rates at certain times but that states will force-place coverage. Your employer won't be able to discriminate based on your DNA, and they'll have to accept you into their group program.
The human genome hasn't been mapped well enough for insurance companies to start using the data. It will be eventually, and I expect that those will be interesting times in the health insurance industry.
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"They that can give up essential liberty to obtain a little temporary safety deserve neither liberty nor safety." - B. Franklin
"There ought to be limits to freedom." - George W. Bush
"We have met the enemy and he is us." - Pogo
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