How Health Insurers Are Using Wearables to Adjust Premiums

Episode 42 explores how health insurers are leveraging data from smartwatches and fitness trackers to set personalized premiums. With companies like UnitedHealthcare and Vitality offering rewards for step counts and sleep data, Lucas and Luna break down the economics behind pay-as-you-live insurance. They discuss the potential savings for healthy policyholders, the privacy trade-offs, and the risk of creating a two-tier system where those who can't or won't use wearables pay more. The episode also touches on regulatory debates in the US and EU, and what this means for the future of risk assessment in health insurance. #WearableData #HealthInsurance #PayAsYouLive #UnitedHealthcare #Vitality #Privacy #PremiumAdjustment #Economics #Healthcare #InsuranceTech #FitnessTrackers #DataPrivacy #RiskAssessment #BehavioralInsurance #FexingoBusiness #BusinessPodcast #ServicesEconomy #LucasAndLuna Keep every episode free: buymeacoffee.com/fexingo