How Health Insurers Are Mining Your Gas Station Purchases

Episode 112 of Services Economy with Fexingo. Lucas and Luna explore how health insurers are using data from gas station loyalty cards and credit card transactions to assess risk. They break down a 2025 study from the University of Chicago showing that frequent purchases of energy drinks, candy, and cigarettes at gas stations correlate with higher claims. The hosts discuss how this data gets sold to insurers via third-party brokers like Verisk and Optum, and the regulatory gray area around it. They also touch on privacy implications and what consumers can do. Plus, a brief conversation about why the show stays ad-free. #HealthInsurers #DataBrokers #GasStationData #LoyaltyCards #RiskAssessment #Privacy #ConsumerData #Verisk #Optum #UniversityOfChicago #InsuranceUnderwriting #Economics #Business #FexingoBusiness #BusinessPodcast #ServicesEconomy #DataMining #HealthInsurance Keep every episode free: buymeacoffee.com/fexingo