Genetic risk undermines insurance pricing

If consumers can privately learn accurate genetic risk predictions (via improved polygenic scores) while insurers are legally or practically barred from using that information, asymmetric information could unravel actuarial pricing and create market instability. This is a concrete market‑design problem linking genomic science, consumer information, and insurance regulation. — It highlights a near‑term policy dilemma where better genetics creates a tension between privacy, anti‑discrimination rules, and functioning insurance markets with broad fiscal and social consequences.