• ProPublica: Health Insurers Are Vacuuming Up Details About You — And It Could Raise Your Rates

    Asked by Ejourneys on Saturday, July 21, 2018

    ProPublica: Health Insurers Are Vacuuming Up Details About You — And It Could Raise Your Rates

    HIPAA makes healthcare data private, but insurance co.s are now mining other data to produce "lifestyle" scores.
    https://www.propublica.org/article/health-insurers-are-vacuuming-up-details-about-you-and-it-could-raise-your-rates

    Excerpt:

    "Are you a woman who recently changed your name? You could be newly married and have a pricey pregnancy pending. Or maybe you’re stressed and anxious from a recent divorce. That, too, the computer models predict, may run up your medical bills....

    "In a separate conversation, a salesman from a different company joked about the potential for error. 'God forbid you live on the wrong street these days,” he said. 'You’re going to get lumped in with a lot of bad things.'....

    "LexisNexis officials also said the company’s contracts expressly prohibit using the analysis to help price insurance plans. They would not provide a contract. But I knew that in at least one instance a company was already testing whether the scores could be used as a pricing tool."

    3 Answers from the Community

    • geekling's Avatar
      geekling

      It is truly astounding how people shield their bad behavior behind corporate shielding.

      To purposefully flout a law by nibbling around its possibly legal edges in order to save a buck by hurting others is both disgraceful and astounding at the same time.

      Companies seem much more interested in tossing aside the spirit of a law then in using its actions and activities to increase human benefit.

      Utterly disgraceful. Why are these entitites allowed to be immortal? How did they gain Citizen rights? How can we possibltly get Citizens United repealed?

      Ugh. I am disgusted. Hateful activities.

      3 months ago
    • GregP_WN's Avatar
      GregP_WN

      That's about average for insurers they will use anything to deny a claim and more to raise rates.

      3 months ago
    • fiddler's Avatar
      fiddler

      I wondered about this - my insurance company recently contacted me over and over to call them for a survey. I finally did and was extremely uncomfortable answering the questions because I felt they were 'fishing' for reasons to raise my rates. I'm not usually suspicious like that.

      3 months ago

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