They’ll almost surely attempt this, but it will be much less clear cut on it. There’s federal law against discriminating on the basis of genetics, so they can’t explicitly charge more for it.

But you better believe it’ll be a component in a deep learning insurance adjustment model that charges you more and just tells you the model says so — I’d expect this to occur and a court case to happen.

That's a situation for a government program, not insurance. Insurance is for situations where it's unlikely that you'll need a payout.

Of course people today have to deal with the systems we have, but I'm talking about your hypothetical "future" scenario.