1. Genetic disorder. Tay–Sachs, etc. This stuff is priceless, because in the past, you had to pay thousands of dollars to get these same tests tone. These are accurate and very worthwhile ... but the majority of people will come back with all negative results, which is actually a good thing.
2. Your "increased risk" to certain diseases, like heart disease, etc. IMHO, these aren't worth much. A substantial portion of the risk for these types of diseases is related to lifestyle, so take it with a grain of salt.
3. Fun info, like telling you your eye color, where your ancestors came from, etc.
> why are their tests not being subsidized by insurance companies.
Insurance companies really only want #1. And guess what? That's info that I really don't want them to have.