The right solution to that continues to be outlawing genetic risk-based cost scaling. Doing anything else means that we're just deciding people get to live and

The right solution to that continues to be outlawing genetic risk-based cost scaling. Doing anything else means that we're just deciding people get to live and die due to their genetics and we will systematically encourage that; it's eugenics with extra steps. That means the only insurer who could afford the risk is the US government. This is a feature not a bug.