Step Counts, Sleep Scores, and Denied Claims: The Insurance Industry's Quiet Appetite for Your Fitness Data
Millions of Americans strap on fitness trackers each morning without considering where their biometric data ultimately travels. Health insurers and third-party data brokers are quietly acquiring movement, sleep, and heart-rate information to inform underwriting decisions — often without the wearer's meaningful awareness. Understanding the legal framework, or lack thereof, that permits this practice is now a matter of financial self-preservation.