I'm not sure you understand the concern. It's really quite simple, if a consumer knows they are going to have a lot of problems in the future, they buy better h

I'm not sure you understand the concern. It's really quite simple, if a consumer knows they are going to have a lot of problems in the future, they buy better healthcare and via -versa. But the insurer can't do the same - asymmetry of information. Costs go up for the insurer due to self selection. Of course then insurance plan prices go up too or just diversify and people end up just paying for what they'll probably need. Kind of takes away the point of insurance if we get really really good at genetic based predictions.