OH Breeder, My "extensive hospital stay" was from a farm accident. Been cleared for years now and have no "pre-exsisting condition". My point was, why do I, a healthy person, want to be in a pool with higher risk people just so I can pay their way? I realize my example was an extreme over simplification, but, my point is I will pay my share for my risk, you (generic you) should have to pay for your risk as well.
As far as the markers go: I am both excited and scared to death of all the new technology coming up. You have markers for coronary plaque rupture. There are genetic test. There are test to see if your more likely to have breast cancer. If all these test are available, why wouldn't the health insurance companies require a full DNA work up to pin point your exact risk?
I say your "most correctly" in your statement about genetics and your health because I feel many people use "genetics" as a cop out when dealing with their health. Are you (again generic you) fat because your Grandma was fat? Or are you fat because you eat Twinkies all day and do nothing but sit at a desk? Do you have a heart attack because your father did, or did you have a heart attack because you have no physical activity? Did you get lung cancer because your Mom has cancer, or was it that you smoked 3 packs a day? Genetics play a role, I agree, but so does your lifestyle. Change what you can, live with what you can't.
By the way, my plan does cover preventitive care, and it is not due to my employer, as I have personal insurance!! Yeah for me!!