Maybe we could have an option to be a data-donor as opposed to only having the option to donate your organs for the purpose of science.
"Oh, your great great-great-grandfather had <disease>, so now you're classified as a high-risk individual and you have to pay a higher monthly fee for insurance"
Only they won't tell you why you have to pay more, just that you do.
2. If health insurance companies wanted to break the law, they would simply violate the existing prohibition on discriminating on preexisting conditions, which gives them vastly more actionability than some tenuous, diluted link to a relative.
This is all frankly nonsensical because insurance companies charge people within tightly-regimented tiers, there's no wiggle room for mystery +30% fee increases.