How Health Insurers Are Scoring Your Streaming Video History

Episode 137 dives into the quietly growing practice of health insurers mining your video streaming history—from Netflix binges to late-night TikTok scrolls—to predict health risks. Lucas explains how data brokers aggregate smart TV and app usage data, then sell it to insurers for risk scoring, often without meaningful consent. The hosts discuss the economic implications: a booming data brokerage market, regulatory gaps, and the potential for a new kind of algorithmic underwriting. Specific examples include correlations between crime drama viewing and anxiety, and late-night streaming as a proxy for poor sleep hygiene. The episode ends with a forward-looking question about the future of consent in the service economy. #HealthInsurance #DataBroker #StreamingData #VideoStreaming #Netflix #Privacy #RiskScoring #Underwriting #ConsumerProtection #DataEconomy #ServicesEconomy #Economics #Healthcare #FexingoBusiness #BusinessPodcast #LucasAndLuna #AlgorithmicScoring #DigitalPrivacy Keep every episode free: buymeacoffee.com/fexingo