[MRM]

I haven't followed the debate about this so I really have no idea if this is even possible, or if this is heading off problems in the futre. I must admit it just seems far fetched to me. How do doctors know what genes have a predisposition to anything? Are there really genetic tests like that available now? How can insurers measure that risk? I would think it would cost cost more to collect the data, create actuarial tables, measure the risk and charge accordingly than the insurers could ever save in premiums. Doctors already take family histories that show well established risk factors. Do insurers take that into consideration? I've never had a problem because our family has always had continuous health care coverage with more or less the same company since we were married. I know we're lucky. just don't know what health insurers look at for new applicants. Liability insurance I know, but not health insurance.