Two very powerful predictors of future health risks are family history and some forms of genetic testing. However, thanks to a fairly recent regulation change, GINA (Genetic Information Nondiscrimination Act of 2008), which is designed to prevent insurers from using this type of data improperly (i.e., limiting/dropping coverage or adjusting premiums), insurers are now very hesitant to collect any of that type of information. Sounds good, right? Well, consider that many companies and individuals utilize Wellness programs which are typically provided by those same insurance companies. The Wellness programs attempt to identify and stratify members based on available information in order to provide coaching and guidance on how to best mitigate current and future risks. Available information many times no longer includes these two fairly powerful predictors. Wellness programs do help to reduce both the employer's and the insurance companies long term costs, but the also benefit the individual members. I, personally, want to know as much as possible about my potential future risks and what, if anything, I can do about it.