A decade or two (probably less) and health insurance will plug your details into some shared DNA database and automatically disqualify you because your genetics predispose you to a laundry list of conditions, not worth the risk. Or, we will cover you but not for these genetic disorders as they are considered "preexisting conditions".
Affordable Care Act does not allow for discrimination based on pre existing conditions in the US.
GINA also forbids the use of genetic information in health insurance and employment.
That part of the law is in an extremely fragile state.
I have a congenital heart defect; If the doctor didn't find it, wouldn't that more likely fall on them? Plus if you know it from birth, isn't just a higher premium (I suppose it could be too high)?