It sounds like we are in violent agreement then: if insurance companies are allowed to exist the way they do today, they can’t have access to all the information. I like your solution to the dilemma of just not having private insurance companies :D

Re DNA precautions: We just need to make hovering up DNA illegal, or selling insurance, or selling anything based on the genetic information gathered from people; make it all illegal, so I don’t have to worry about it in the same way I don’t have to worry about insurance companies breaking into my house to spy on me.