"We have identified that you are at an increased risk of cancer. To ensure we give you the best care your insurance premium has now gone up 20x, you are welcome."
The scenario is not occurring, and anyway... if you had information about an increased risk, you can use that information to mitigate the risk and avoid the harm. Even if you think insurance and doctors are good for you, efficient and help you feel better... they are much more effective if you as the patient have a pretty good idea of what might be going wrong.