The hypothetical member of the insurance industry AC had it right.
Take my health insurance for example. I can't be charged extra for a pre-existing condition. But I don't qualify for the discount for not having the pre-existing condition. It starts with "discounts of up to $35 per month" available if you participate in the health screening (blood analysis, BMI etc.), so you participate. Then "oh, and by the way to qualify for the discount you have to answer the online survey (you guessed it, lots of mental health questions). Then "oh, you don't qualify for the full discount because of your girth/height ratio. You should take action".
last I checked my waistline was pretty similar last year.
Insurance has become a nickle and diming game based on taking your personal information and either losing it, selling it or using it against you directly