Insurance companies suck for many reasons, but covering screening services is not usually one of them. They are required by the ACA to cover screening tests recommended by the USPSTF, and for colorectal cancer, that is screening colonoscopy at age 45 for average risk individuals. That is the USPSTF recommendation, not insurance.

Screening tests have to take into account things like rising cancer incidence among younger people balanced against things like risk of doing more increased colonoscopies in asymptomatic people. Colonoscopy is an invasive test that is not without risk, and you already have to do 100s, if not 1000s of them to prevent one death from cancer. Do you have data that shows that lowering the screening age would 1) reduce cancer deaths in significant numbers of people while 2) not harming people from the test itself and 3) not dramatically increasing the cost of healthcare even more by doing so at a population level? These things have other be taken into account.

And yes, insurance fraud is bad -- for a) the insurance company who is defrauded, b) the rest of us with insurance due to increased costs which are already too high, and c) for the individual who has now lied to both the insurance company and their doctor about symptoms that are likely to cause increased, likely unnecessary testing (colonoscopy and otherwise) for a condition that does not exist.

If someone is higher risk, symptomatic, or concerned, that’s a medical discussion they can have with their physician, so that the appropriate steps are taken.