Oh I was probably somewhat misinformed because the article I read a while ago was much more hyped up than I realized at the time. My apologies. I got the wrong impression.

I just assumed it had already become "industry standard." Perhaps it was "becoming industry standard" instead. I think the article was specifically about car (not health) insurance too but I can't remember details. I went to go find it again before posting but of course I couldn't.

I also somewhat suspect (but I have no proof of course) that there is at least a little bit of data sharing to third parties that insurance companies can/do use to get more of the "big picture." Probably more car insurance than health insurance. I know such a thing as a "driving record" exists probably supplied by a company such as LexisNexis. My car insurance provided me a copy of my driving record.

So for example Person A has a pattern of behavior through different insurance companies that can be flagged while just looking at one insurance company's data might not show the data.

This is all wild speculation on my part more of a thought experiment on my part. Laws such as the FCRA are starting to address SOME of these issues but I'm not sure they are on top of all practices.

This type of tracking has become more common in the age of "big data."

https://personalreports.lexisnexis.com/access_your_personal_...

That's interesting though that they didn't like hiring outside vendors. I would think they would want outside vendors because their products were already vetted for regulation compliance.