[DoreenMichele]

Given how insurance works, this possibility should concern people more.

Insurance is a bet. Like all gambling establishments in Las Vegas, they need to take in enough money to cover overhead, pay staff, pay off the (financial) "winners" and still turn a profit.

If your genes guarantee you X problem, it's a "sucker's bet." There's no money to be made covering you. It's effectively charity to let you buy coverage for a pittance knowing you will get a big payout.

Even if you work for an insurance company, having a genetic disorder automatically disqualifies you from purchasing a lot of their policies.

[mook]

I suspect what will actually happen is that they'll take your money, but once you need the coverage _then_ they will suddenly realize that you're predisposed to that and refuse to hand out the money. That is, they will take the bet and then reuse the payout.

[taneq]

Oh, they'll still take your money, and they won't inform you explicitly that you're disqualified. Like all asymmetric information games, the way to 'win' insurance is to know more than the other party.

[DoreenMichele]

Touche.

Someone even more cynical than me.

/Still naive after all these years.