I know the US is adopting a swell universal health care system that starts in a few years, but in the meantime how would it work if you foundo out you have some genetic tendency for a medical problem and failed to disclose it to your private insurer? Could they cancel out on you then? Or would they if you DID disclose to them? One hears stories about people who were dropped because they were asked about viruses and didn't mention a wart on the left thumb and stuff like that....