It is highly disruptive in terms of insurance. Insurance can only work if many people pay for the few who actually need the insurance. The best way for insurance companies to increase profits is to get rid of the people who actually need them from their pool: if they can have access to a good set of indicators to remove people with high incidence of diabete, kidney failure or cancer, they will use it. And once people understand that, nobody will use insurance anymore.
Health may become another kind of risks you can't insure against anymore, like divorce or unemployment.
Health may become another kind of risks you can't insure against anymore, like divorce or unemployment.