Paranoia can take you only that far. HN is supposed to be a place where smart people with big data in there minds hang out. Imagine when insurance companies has everybody's DNA - you think there's a perfect DNA? No, everybody has a different sets of risks. Again, just because you have a risk, it doesn't mean that you will developer the disease. For example, according to 23andMe, I have a lowered risk of Melanoma, yet, 8 years ago, I had stage 0 Melanoma. Genetically, my children are safe as their DNA is clear, but this won't prevent insurance companies tracing my kids health records to mine, if you know what I mean. If you look at the current research, risks are +/- a few percent, so, it doesn't really give you much except certain conditions. But it is much better for you personally to know what you're highly predisposed to than to be a paranoid chicken and not get your DNA sequenced.
Health insurance isn't like auto insurance and the plan pricing is only driven by age. So, for a few more months, insurance companies can decline coverage to certain people, but as of next year, there's nothing those crooks can do!
