Employer coupled insurance has certain pathologies. But, I think that insurance as a funding model has is a bigger problem. "It's a terrible Hobson's choice be

Employer coupled insurance has certain pathologies. But, I think that insurance as a funding model has is a bigger problem. "It's a terrible Hobson's choice between affordable health insurance and protecting one's genetic privacy." Genetics is just another way of getting useful information for pricing insurance efficiently, guessing future medical expenses more accurately. To the extent that pricing becomes efficient it ceases to be insurance. This is basically the case for sick people. Their medical costs are known and high. Price efficiency puts more people in that boat. Known high costs expensive. Known low costs cheap. In an insurance based system, information is priced in. Insurance is good for costs that are unlikely but high. In medicine, we're looking for a system that caters to all medical scenarios regardless of likelihood. Insurance only makes sense for some.