How Health Insurers Use Your Prescription History

In this episode of Services Economy, Lucas and Luna dig into a quietly powerful data source that health insurers have been using for years: your prescription history. They explore how pharmacy data, pulled from claims and pharmacy benefit managers, feeds into risk scores and underwriting decisions — often without a clear consent signal. The conversation walks through a concrete example: a patient whose antidepressant prescription history influenced a life insurance application, leading to a higher premium despite a stable mental health record. They break down the role of pharmacy benefit managers, the rise of real-time prescription benefit tools at the doctor's office, and the regulatory patchwork that lets this data flow. Lucas and Luna also examine the tension between clinical benefit and actuarial use, and what it means for consumers who have no idea their medication list is a scoring input. The episode closes on a practical question: should your prescription history be used to price your insurance, and how would you even know? #PrescriptionData #HealthInsurance #PharmacyData #InsuranceScoring #Privacy #DataBrokers #Underwriting #PharmacyBenefitManagers #LifeInsurance #MentalHealth #ConsumerRights #Economics #Business #Podcast #FexingoBusiness #ServicesEconomy #DataPrivacy #HealthPolicy Keep every episode free: buymeacoffee.com/fexingo