this post was submitted on 31 Oct 2023
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That will take a long time, right now analyzing one person's DNA to a point where an insurance company could profit from it costs way more than the extra profits from denying some potentially short-lived clients.
(or an AI based analyzer is already in the works)
Considering prior authorization is predicated on the fact that if they reject enough requests inevitably some people won't fight them, meaning they don't have to pay out, I wouldn't be surprised if they use a slightly better than chance prediction as justification for denying coverage, if they even need an actual excuse to begin with.
I'm old enough that a lot of things that were going to take a long time have come to pass, so I feel confident this will come.
AI and genetics are both moving fairly fast, and insurance is about numbers and probabilities.