> Insurance companies are perhaps surprisingly often ignorant about their own medical data and what it means for their clients or patients (except for what it means in terms of revenue).

You may very well be correct, but how do you know that?

> because insurers don't have the means or know how to.

Again, where do you get your insight on the inner-workings of insurance companies in general from?

I'm not disagreeing with you outright. I just wondering if you're guessing or you have actual knowledge to the one or more health insurance companies and their actuarial and analytics processes.