I'm not sure if statistically modelling risks really works. If one thing doesn't get you, then something else does. For instance they still say exercise is good for your heart but if you train for two hours a day you are at risk for A-Fib
For one thing many health risks take 20+ years to develop but you usually contract for health insurance for a year. By the time a health risk develops you will probably be with another insurance company, or your health insurance company will have been bought by another insurance company and then bought again and then bought again.
https://www.ncbi.nlm.nih.gov/pmc/articles/PMC5135187/
For one thing many health risks take 20+ years to develop but you usually contract for health insurance for a year. By the time a health risk develops you will probably be with another insurance company, or your health insurance company will have been bought by another insurance company and then bought again and then bought again.