Don’t compare car insurance with health insurance. Past driving incidents are perfectly okay to take into consideration for car insurance, some people need incentives to drive safely. But genetics is nothing people can change, it’s fixed.

This all assumes two perfectly definable categories of characteristic - fixed, unchangeable category, and incentiv-isable behaviour / changable category.

It's not always that clear e.g. genetic disposition to alcoholism is linked to actual alcoholism and related behaviours.

I agree, and that's my point. Should we have private insurances for genetic based risks?

Is there a point of private health insurance?

No.

> So car insurances shouldn't account for past driving experience?

Do you understand why discriminating job applicants based on race/sex is illegal but not based on GPA?

One is something you were born with. Another is something that you did.

All the evidence I have seen points to “what you were born with”, including the parent(s), family, neighborhood, etc to be very heavily correlated with GPA.

Right, but for some reason it lets claim the moral high-ground. Right now individual taxes account for more revenue than all companies combined, perhaps barring payroll taxes.

Socialize medicine, please. A million dollars for a cancer treatment is insanity, when nearly 50% of the US population will get cancer at some point in their lives.

Should we private insurance on "something you're born with" based risks?

> So car insurances shouldn't account for past driving experience?

Nope, they should not. That's exactly the kind of things that ends up bringing prices up for everyone in the end.