With the rise of personalized medicine, there is debate about whether insurance companies should be allowed to charge higher premiums for people who are genetically at risk of certain diseases. Some people argue this is reasonable because insurance is based on risk, while others think it is unfair.
On the one hand, insurance companies need to protect their business. If a person has a higher chance of developing expensive illnesses, it seems logical that they should contribute more to the system. Otherwise, healthy people might end up paying more than necessary, which could discourage them from buying insurance at all.
On the other hand, charging people more because of their genes is not fair. Nobody can choose their genetic background, and higher premiums may stop people from getting tested or seeking early treatment. This would make health inequality worse, because only the rich could afford proper health care.
In conclusion, although companies want to reduce risk, I believe it is unethical to raise costs for people with genetic problems. Health insurance should be based on equality, and governments should make rules to stop discrimination.