[lotsofpulp]

In the US, health insurers are restricted to using the following for pricing insurance, and genetics is not one:

https://www.healthcare.gov/how-plans-set-your-premiums/

All the other types of insurance (life/disability/etc) are free to ask you to provide DNA if they think it would be useful for underwriting. The fact that they do not means the DNA is not providing enough signal to be worth considering in the underwriting process.

[genewitch]

Or they already have it, the same way any insurance company can look up how much coverage my policy has.