I was reading recently that insurance companies are now using family history to calculate rates and even deny coverage where they can perceive a loss or bad investment. I believe most corporate employees are protected from such scrutiny and must be allowed to join group policies except where pre-existing conditions allow the insurance company to opt out. But, self-employed or employees of say a small private school may not he able to obtain reasonably priced coverage because their Mom's dad had a heart attack, colon cancer, etc...