How do you think insurance premiums are calculated?

In general, health insurance companies (at least in the US) are pretty much prevented from using any health data to set premiums. In fact, many US states prevent insurers from charge smokers higher premiums.

(Life insurance companies are different.)

How are they calculated? Based on what data? Your google searches? If they don't use goolge search history, why would they use chatgpt history?

Yeah man, when would technology ever be abused to monitor health data. https://www.mirror.co.uk/news/health/period-tracking-apps-ou...