I'm saying that you get a health insurance policy, and the company requires you to submit a genetic test. Maybe you get that policy at age 30, but you have a ge

I'm saying that you get a health insurance policy, and the company requires you to submit a genetic test. Maybe you get that policy at age 30, but you have a genetic marker that, on average, means you will develop an expensive condition at an average age of 55. So you pay premiums for 20 years, but starting at age 50, your rates start to seriously climb. They continue to climb until you're priced out of keeping the insurance and have to drop the policy before your condition comes in, and nobody else will take you now. Besides, the taxpayers end up bailing out these companies constantly. The government is not going to bail out a random patient.