This would make sense if genes operated at the group level. They do not. Groups selection is pretty much discredited as a mechanism of evolutionary change. http://en.wikipedia.org/wiki/Group_selection
I think you are mistaken; legislation was passed last year.
The Genetic Information Nondiscrimination Act of 2008 prohibits group health plans and health insurers from denying coverage to a healthy individual or charging that person higher premiums based solely on a genetic predisposition to developing a disease in the future.