> even if they were allowed to price health insurance based on genetic risk factors it wouldn't necessarily allow them to earn higher profits. Cue adverse sel

> even if they were allowed to price health insurance based on genetic risk factors it wouldn't necessarily allow them to earn higher profits. Cue adverse selection. They might not be allowed to collect genetic data, but nothing stops patients from doing their own sequencing, and shop for healthcare plans depending on their predispositions, thus drastically affecting healthcare profitability. This is not a pervasive problem yet because the tests are pretty crappy and very few people bother, but on the long run, I bet your "level playing field" hypothesis will be debated.