You said: Now let's ask another question: Are you willing to pay higher premiums for insurance because your supposedly private DNA submission was found to reveal a family history of diabetes?
Shouldn't those with a family history of diabetes pay a higher premium than those who do not have such a history, all other things being equal? Isn't insurance supposed to assess actual risks???
Are you aware that if you give false answers on your health or life insurance forms that you can legally be denied benefits? The doomsday scenario you paint has been in effect for the past 30 years. Ain't nobody died as a result.
Not really. I have Type II diabetes. Through my doctor's ministrations and my own interest in my health, I take care to attend to my diet and exercise so that I now do not require medications that I was at one time required to take to keep it under control.
There are those who don't give a crap and won't exercise, eat all the junk food they want and continue to ingest very expensive medications to keep them from going blind and keep their feet from falling numb.
Now, should I be penalized by higher premiums because I have a history of this disease in my family? Even though I now cost my insurance company no more than a person who has no such family history?
If I were to be labeled thus by my insurer based on a DNA sample, I'd be crying foul. Wouldn't you? It is a form of discrimination. Granted it is now against the law but we must be very careful about who has access to our DNA samples.