Earlier quoted context omitted.
This sounds like excellent evidentiary material for a future insurer or government health provider to decide you're uninsurable, not eligible for a job, and so on. And the great thing about it is that you already signed all your rights away for them to do this exact thing , when we could have had an open world with open models run locally instead where you got to keep your private health information private.
If an insurer is able to reduce (or recoup) costs from likelier risks, then the remaining insureds benefit from lower premiums. If the goal is providing subsidies (i.e. wealth transfers), then insurance is not the way to do it. That is the government’s role.
We agree that insurance is not the right way to handle health as a product, since some people predictably need much more medical treatment than others. But it’s how the US has chosen to do it, so we have to do it in a way that works. Correctly identifying a systemic issue won’t pay your medical bills.