How Health Insurers Are Scoring Your Credit Card Purchase History

Health insurers are now analyzing granular credit card transaction data to build health risk profiles. Lucas and Luna break down how companies like Optum and Aetna access purchase history — from grocery spending to restaurant habits — and use machine learning to predict conditions like diabetes and hypertension before any clinical diagnosis. They discuss the legal gray area under HIPAA, the role of data brokers like Verisk, and what it means for consumers who pay with plastic. Specific case: how a pattern of late-night convenience store purchases can trigger a higher premium tier. A concrete look at the new frontier of algorithmic underwriting. #HealthInsurance #DataBroker #CreditCardData #RiskScoring #AlgorithmicUnderwriting #Optum #Aetna #Verisk #HIPAA #Privacy #ConsumerFinance #MachineLearning #Economics #ServicesEconomy #FexingoBusiness #BusinessPodcast #DataPrivacy #InsuranceTech Keep every episode free: buymeacoffee.com/fexingo