Since this is focusing on US law: You cannot be denied health insurance based on the outcome of a genetic test, even in the pre-ACA days. Back before the ACA, y

Since this is focusing on US law: You cannot be denied health insurance based on the outcome of a genetic test, even in the pre-ACA days. Back before the ACA, you COULD be denied insurance once you have a manifest disease (which would then be considered a pre-existing condition.) https://en.wikipedia.org/wiki/Genetic_Information_Nondiscrimination_Act https://en.wikipedia.org/wiki/Genetic_Information_Nondiscrim... However, "The law does not cover life, disability, or long-term care insurance, which may cause some reluctance to get tested."