system
Given the following post, respond as if you're commenting on Reddit:
human
[Marvel- either CMU or 616] I am an enhanced human with non-threatening powers, what is my health insurance like?

So, say I am a US citizen who has latently (mid-30's) developed enhanced powers. However, my powers are non-threatening and seem to be in stasis. S.H.I.E.L.D. has put me on a watch list, but otherwise I am functioning fine, minus the paranoia and stress. I am an otherwise healthy individual, although now me and my family are terrified how this will effect our insurance rates or uncommon side effects that could be manifested from OTC drugs. Does SHIELD provide a medical facility, treatment center, health incentives or any of the like? Do I have to go to special facilities for treatment? I do not believe that they are not watching/monitoring me, but I can't prove it still. I wanted to do some world traveling; is that out of the question? Am I on a secret no fly list? Do I have to tell my primary care physician anything? Are there restrictions to having children or in the case of divorce dating again (are there even enhanced human dating agencies)? How does the boring, clinical medical system work in this case?
gpt
Welcome to the Organization of Gifted Americans. S.H.I.E.L.D. is primarily a law enforcement agency, and our organization is here to help fill the gap between an emergency situation and normal life.  

First, you should assume you are being monitored, either conventionally or by another Gifted person. You should conduct your affairs under that assumption.  We can connect you with an experience legal professional to work with as well.   Gifted individuals are often the target of scapegoating, especially in small communities.  Having legal representation should now be considered a new household expense. 

Legal counsel can also help you navigate travel concerns.  However, each nation has the right to impose restrictions on Gifted individuals.  This is an unfortunate prejudice, and we are working hard to educate many countries around the globe to reduce such restrictions. 

Health insurance for you and your family has so far not been an issue. Until someone makes an unusual claim, or you or another covered person manifests an inherently dangerous ability, those rates typically do not increase. Data has shown that Gifted individuals are often remarkably healthy, and recover from even serious trauma far better than our fellow citizens.  Should you or another covered member actually need extraordinary care, then there are standing agreements with organizations such as Stark, International to provide that care, although you will have to waive privacy rights on your medical data.

Other forms of insurance may be more of an issue.  Insurance such as home owners and liability may be cancelled or rates may significantly rise.  Even if your powers are dormant, you have a legal responsibility to disclose this to your insurers.  Failure to disclose may result in the denial of any claim.  We are continuing to work with insurance companies concerning property damage and liability.  Associations with known law enforcement agencies is a mitigating factor, and we encourage you to reach out to local agencies, if only as an inactive or reserve member.