You need an insurance against whatever the genetic research could discover

We get our health insurance by sharing the risks with others in similar risk categories; men, women, smokers, non-smokers, old, young. But, if any future genetic research would come to indicate a special propensity for any especially onerous illness, who would then like to share those risks. It seems that what the society most would need, right now, before any shared sense of solidarity breaks down, is an insurance against whatever the genetic research could discover. Do you agree?