Are all German Shepherds prone to get hip dysplasia? Are there exercises that can prevent it?

Our German Shepherd is 2 years old, spayed, perfectly healthy slender female with short gray hair. She usually spends many hours inside of our apartment. We walking her at least one hour every day but she doesn't get always the chance to running free. Should we get a complex/expensive pet insurance plan now or after she will be 4 years old?
Thank you!

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