How Health Insurers Use Your Loyalty Programs

Episode 150 of Services Economy with Fexingo: Healthcare, Finance, and the Modern Service Sector. Health insurers have been mining grocery loyalty card data (episode 148), but what about the broader universe of loyalty programs? From coffee shop apps to airline frequent flyer miles, insurers are increasingly tapping into loyalty data to assess risk, adjust premiums, and even deny coverage. Hosts Lucas and Luna drill into a specific case: how a major insurer partnered with a national coffee chain to access purchase histories, and the privacy loophole that made it legal. They break down the data points insurers are buying, the algorithms that turn your latte habit into a health score, and what regulators are (and aren't) doing about it. With the FTC's recent scrutiny of data brokers, this episode explores the fine line between personalization and discrimination. Tune in for a concrete look at how your daily chai latte might be shaping your health insurance rates. #HealthInsurance #LoyaltyPrograms #DataPrivacy #InsuranceTech #ConsumerProtection #DataBrokers #Economy #Business #Finance #HealthTech #RiskAssessment #FTC #PrivacyRights #BigData #InsuranceIndustry #FexingoBusiness #BusinessPodcast #ServicesEconomy Keep every episode free: buymeacoffee.com/fexingo