[lacrimacida]

Don’t compare car insurance with health insurance. Past driving incidents are perfectly okay to take into consideration for car insurance, some people need incentives to drive safely. But genetics is nothing people can change, it’s fixed.

[Chris2048]

This all assumes two perfectly definable categories of characteristic - fixed, unchangeable category, and incentiv-isable behaviour / changable category.

It's not always that clear e.g. genetic disposition to alcoholism is linked to actual alcoholism and related behaviours.

[dorfsmay]

I agree, and that's my point. Should we have private insurances for genetic based risks?

Is there a point of private health insurance?

[bugglebeetle]

No.