I talked to a GP back from a Hawaiian medical conference and this was one of the issues discussed there. There are some costly health problems that can be guessed at before your baby is born and that little kid may never ever be eligible for health insurance.
From an NYT story: Northwestern Mutual Life Insurance Company, asks potential customers in Massachusetts about genetic testing — and stipulates that refusing to share results could lead to a declined application or an extra premium. Jean Towell, a spokeswoman, says applicants are told “out of fairness” that insurers have the right to decline coverage if any medical information is omitted. .... 12 other companies ask no explicit questions about genetic testing. But when Dr. Green asked company executives why not, he said, “at least one of them has told me, ‘We would do this, but we don’t want to be the first.' ”