So, calculating premiums based on all pertinent information is the equivilent of operating with no risk? Sorry, I can't see how you connect those dots. Why should a person with no known risk for heart disease pay as high a premium as someone with a massive genetic predisposition for heart disease?
Ah, so employers would have to require physicals and charge different premiums for employee’s health insurance?
Or, do they just deny an individual the job based on the physical?