That's not true. There are actuarially significant risk factors that exist and are known at birth. Think chromosomal defects for example.

Moreover for less dramatic conditions, there are race-based inequalities in our fundamental knowledge of medicine. Diseases that afflict Caucasians for example are far more well studied than minorities in "the west". Moreover, because of the way treatments are tested, knowledge of safety and efficacy on potential treatments is biased against minorities (drug safety studies are largely done by white male college students looking for extra cash). Some people just have 'medical privilege' and the healthcare system perpetuates that.