Comment by xp84
19 hours ago
Main problem with that is that 90% of us are on group plans and the insurance company doesn’t get to know who’s in the group when they price the premiums for your employer, and on the (Obamacare) individual plans they can only use broad things like age, etc.
If that changes, there’s still the problem that they would have to disclose it, and when people notice, they’d be sure to avoid the restaurant where eating there increases your insurance premiums!
You're right as far as health insurance is concerned. Life insurance is different. It is often contracted on an individual basis.
maybe they start by not adjusting your rates based on your habits, but just nagging you.
Aetna already notices when I don't pick up my prescriptions on time and emails me about it. So I could imagine a dystopian future where the insurance company makes you install an app instead of using an insurance card (or at least makes this the default/easier), and the app sends you a push notification when it senses you're too close to a McDonald's and says "Do you really need that double cheeseburger? It's your third one this week! (and Apple Health says your heart rate ain't looking so great)"
I know there are a zillion reasons this couldn't happen exactly like that now, (e.g., you'd have to give permission for all of this) but how far off is it?
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