How Health Insurers Score Your Wearable Device Data

Your Apple Watch or Fitbit tracks every step, heartbeat, and hour of sleep—and your health insurer may be using that data to set your premiums. This episode of Services Economy with Fexingo explores how wellness programs that offer discounts for sharing step counts are increasingly used to raise rates on less active members. We look at the fine print in app consent forms, the predictive models insurers deploy, and the regulatory pushback from the FTC in 2025. John Hancock's controversial Vitality program serves as a case study for how fitness data is reshaping underwriting. If you use a wearable, you need to know what you're signing away. #WearableTech #HealthInsurance #DataPrivacy #FitnessTrackers #AppleWatch #Fitbit #InsuranceScoring #ConsumerRights #Economics #ServicesEconomy #FexingoBusiness #BusinessPodcast #Healthcare #Finance #ModernServiceSector #DataBrokers #AlgorithmicPricing #Wearables Keep every episode free: buymeacoffee.com/fexingo