There are surely privacy concerns, but it seems like the evolution of all insurance markets trend towards better risk profiling. This is a good thing IMO. The

There are surely privacy concerns, but it seems like the evolution of all insurance markets trend towards better risk profiling. This is a good thing IMO. The point of insurance is to pool risk, not get your high risk subsidized by some sap with low risk. The better insurance companies can profile risk, the more fair the pools. Then if we want subsidies for high risk individuals, we can work on that separately.