>1. If an insurance company finds out that you’re more predisposed to a disease, they will charge you or your employer a higher rate I've never really understo

>1. If an insurance company finds out that you’re more predisposed to a disease, they will charge you or your employer a higher rate I've never really understood this one. Do you want to force insurance companies to spread the costs associated with insuring high-risk individuals across their whole clientele via this information opacity? Why not just use a single-payer system instead of that Rube Goldberg machine at this point?