Oh sweet summer child. The astute business person will construct a score that happens to correlate with these known genetic defects and then sell it to insurance anyway with the plausible cover correlated source.
That really isn't how most health insurance works in the US now. As far as I know, there really is no such think as refusing health insurance to an eligible person. Now other types of insurance like life, home, auto, those are a different story. But regular health insurance just has to accept your application.
Perhaps health insurance companies can't do this, but I know for absolute certain no one is looking closely enough at every little company's hiring decisions to find out if someone is doing this.
Insurers have auditing requirements to prove what goes into the policy calculation. It is impossible to hide illegal data use at any meaningful scale, and no insurance agency is looking to save a buck on a small number of clients.
I am absolutely sure there is no one who would call mortgages "unregulated" in 2008. That the regulation is insufficient was determined later - and way too late.
