23andMe Genetic Testing Raises Insurance Discrimination Fears (2013-2025)
Direct-to-consumer genetic testing exploded after FDA initially blocked 23andMe in 2013, then approved limited health reports in 2017. Millions uploaded genetic data. GINA protects against health insurance discrimination but not life, disability, or long-term care policies. By 2025, reports emerged of insurers requesting genetic data and using predictive algorithms for underwriting.
Consumers gained health insights but privacy advocates warned about data misuse and third-party sales to insurers.
State legislatures introduced bills preventing genetic data use in premiums, but enforcement remains spotty. The predictive health industry grew to $11.6 billion in 2025.
SleepFM predictions raise identical discrimination concerns—disease risk scores before symptoms appear could be weaponized by insurers just like genetic data, with similar regulatory gaps.
