Charles Murray

but if you know your genes (tests are getting less expensive) then does gov't mandate enrollment to avoid adverse selection?

.@charlesmurray when you can violate the laws of economics; treating people the same is unsustainable, actuarially

But it would be nice if healthy/lower risk lifestyles were rewarded like other forms of insurance.

I spent a few minutes trying to find a legitimate and sincere flaw in that idea.

When catastrophic health insurance priced more like term life is tied to the individual. Plus healthcare savings accounts.

I've been thinking the same thing for a few years. Once genetic testing is reliable and CRISPR not, gene-diseases uninsurable

not an argument...

What could I have done to earn genes for a bald head and hairy back?

But with knowledge of genetic risks, do we not bear responsibility to minimize additive factors? Why give license to ignore?

But insurers are private industries and should try to maximize profits. Your argument leads to single payer, I think.