> And it could lower your rates.

Lack of a national competitive market for healthcare insurance in the US ensures an oligopoly within each state, and thus argues against your reply. Also, keep your eye upon demographic rate trends, not individual rates.

In other words, for the same demographic over time, have rates been going up or down as the insurance market consolidates players over the past few decades? The trend is inarguable [1]; it is a monotonic function. What data do you have that convincingly advocates including data brokering of lifestyle data into insurance actuarial calculations makes a material change in this function or the marketplace?

[1] https://www.thebalance.com/causes-of-rising-healthcare-costs...

No, it will never be used for that.

Please be serious here: stuff like this never causes prices to go down, only up. As information becomes perfect, the "problematic" expensive patients will see their premiums rise to the level of their actual cost to the system-- which is huge and impossible to pay, so they'll drop out-- and premiums for everyone else will stay the same, except with the added anxiety that anything you do could cause your rates to go up at any time.