> And it could lower your rates. Lack of a national competitive market for healthcare insurance in the US ensures an oligopoly within each state, and thus argu

> And it could lower your rates. Lack of a national competitive market for healthcare insurance in the US ensures an oligopoly within each state, and thus argues against your reply. Also, keep your eye upon demographic rate trends, not individual rates. In other words, for the same demographic over time, have rates been going up or down as the insurance market consolidates players over the past few decades? The trend is inarguable [1]; it is a monotonic function. What data do you have that convincingly advocates including data brokering of lifestyle data into insurance actuarial calculations makes a material change in this function or the marketplace? [1] https://www.thebalance.com/causes-of-rising-healthcare-costs-4064878 https://www.thebalance.com/causes-of-rising-healthcare-costs...