The problem is with ownership I think. I'm not German so I'm really only speaking from what I've seen online (mostly here), but my understanding is that for Germans in particular (maybe EU writ large), you own data about you regardless of how it is collected or who has custody of it. In the US, it seems like the data about people is owned by whoever creates that data (in this case, an insurance company), so they are free to do with that data whatever they like provided it doesn't violate some other non-data-specific law.