Getting discounts for habits that reduce healthcare costs is not unusual, gym membership or health coaching sessions are already incentivized and you get some m

Getting discounts for habits that reduce healthcare costs is not unusual, gym membership or health coaching sessions are already incentivized and you get some money reimbursed. These are one-size-fits-all, the amount of discount is not personalized. I'm not an insurance expert, but I think services like this, that generate personal data over time, pose the risk of calculating the individual insurance risk much better if the insurance underwriter can evaluate this data on an ongoing basis. It has the potential to skew the risk distribution for all other insurance members in the pool including premium adjustments for people who are not handing over their data.