Call me naive, but I believe insurance companies have more concrete battles to fight (e.g. confirmed preexisting conditions), than getting in a legal quagmire with insurees just because "you have 2.7% risk of having early onset of X, instead of the 1.35% of the average population".

I understand the allure of painting everything with dystopian Orwellian colors and "but-what-if-they-do" thing, but the fact that 23andme is going bankrupt and others are not much better (Ancestry was acquired by a PE firm in 2020, and is increasingly pivoting away from DNA) is a great indicator that DNA data is commercially worthless.

If anything, the biggest risk is your data being used for ads. I bet some pharma companies would love to use your DNA data to enhance their 1PD propensity models.