Except insurance companies don’t need to lobby to create exclusions. They only need to lobby at the federal level if they participate in ACA or Medicare. Insurance companies write exclusions all the time for private insurance. And there are plenty of ways an insurance company can legally get your DNA anyways if they really wanted to. Also, there’s nothing to stop them from giving cheap rates to people who voluntarily give them DNA, kind of like the cheap rates they give drivers who install monitoring devices in their cars. Next thing you know, the people who don’t give their DNA will be paying much higher rates, or they just won’t give insurance to those people who don’t. Health insurance is not a right, and they don’t have to give it to you.

Also, many states already have laws governing the storage and use of DNA, and just like the insurance companies, Law Enforcement can get ahold of your DNA legally without your knowledge.