How Health Insurers Are Tracking Your Social Media Shopping

In this episode, Lucas and Luna dive into the emerging practice of health insurers using your social media shopping behavior to assess risk and set premiums. They explore how companies like Meta and TikTok share purchase data with data brokers, who then sell it to insurers. With a focus on a specific case—how a woman in Texas saw her premiums spike after buying plus-size clothing on Instagram—they unpack the implications for privacy and fairness. Lucas explains the mechanics of look-alike modeling and how insurers use this data as a proxy for health status. Luna challenges the logic, asking whether correlation equals causation. They also discuss the lack of regulation and what consumers can do, from ad blockers to privacy settings. A concrete, eye-opening look at the next frontier of insurance data mining. #HealthInsurance #SocialMediaData #DataBrokers #Privacy #InsurTech #RiskAssessment #Meta #TikTok #LookAlikeModeling #ConsumerProtection #Economics #ServicesEconomy #InsurancePremiums #FexingoBusiness #BusinessPodcast #DataPrivacy #OnlineShopping #BigData Keep every episode free: buymeacoffee.com/fexingo