No one should give me health insurance. I smoke, I bleed Krispy Kreme donuts and I sleep at all hours. There's a McDonald's in Queens, New York, that serves 50 McNuggets for $20 that I could navigate to while blindfolded. Fortunately for me, this behavior is my secret to keep from employers and health insurance agencies if I choose.
But in the age of Facebook and Google, is there any such thing as a secret?
Last week, the Wall Street Journal reported that employers like Wal-Mart were paying data analysts to "predict which workers might get sick." A new crop of data firms are analyzing piles of medical data and personal info, even paying data brokers to dig up people's buying habits in order to predict illness or calamity. (My Krispy Kreme receipts would be fair game.)
If this information truly reaches employers, it could allow for individual discrimination against those most likely to get sick or need time off. Worse, this unprecedented level of surveillance would be ripe for exploitation in the hands of insurance agencies looking for any opportunity to charge higher premiums.
It's not — and upon investigation, these claims appear to be largely untrue. (The WSJ has since changed its headline as well, from "Bosses Harness Big Data to Predict Which Workers Might Get Sick" to "Bosses Tap Outside Firms to Predict Which Workers Might Get Sick.")
Here lies the crucial distinction: The firms in question are culling data and notifying individuals of possible health risks — but they'd never tell anyone's boss what they found out.
The firms in question are culling data and notifying individuals of possible health risks — but they'd never tell anyone's boss what they found out.
Mic spoke with Joe Rivas, a representative from Castlight, the firm at the center of the WSJ article. "There's never a point in time when we disclose any of this data — no personal record of employee health care is going back to the employer," he said. "It would be impossible to map data together that comes from us."
Of course it's impossible. Anything else would be totally illegal. Under the Health Insurance Portability and Accountability Act, or HIPAA, of 1998, employers cannot receive the private medical details of their employees without expressed consent.
When reached for comment, other companies from the WSJ article, like Cigna and GNS Healthcare, gave Mic similar privacy statements.
OK, so what about the far bigger dystopian possibility of health insurers foreseeing our vulnerabilities and adjusting the price of insurance accordingly? Is there a law that prevents that? Sure there is. It's called the Affordable Care Act.
Obamacare changed a lot, explained Allison Hoffman, professor of health care policy at the University of California Los Angeles School of Law. "Insurers used to make money by sorting people into healthy and sick and charging more to the sick, or those that might become sick in the future," she told Mic. "Insurers are no longer allowed to do that."
Thanks, Obamacare: Insurance is based on the idea of shared risk. As long as no one knows which of us will become sick, we'll all buy into the system to protect the one who gets unlucky.
"It's a form of social sharing, of shared social obligation," University of Colorado professor Scott Peppet told Backchannel regarding the big data threat. "I'm going to carry a little bit of your risk and you are going to carry a little bit of mine, because the truth is, neither of us knows who is less safe, who is going to have the car accident or whose house is going to burn down."
Hoffman laid out the four criteria that can actually affect your insurance rates: your age, where you live, how many people are in your family and if you're a smoker or not. Otherwise, no insights gleaned from that data can affect your insurance rates or be used to discriminate against you in the health care market, she told Mic.
They're still out there: That doesn't mean there's nothing to fear from the encroachment of digital surveillance on your personal health.
Employee incentive programs are rolling out so that employers can wire you with health trackers to lower group premiums. Those same devices generate a wealth of data about you and your co-workers' activity — data that's already been used as evidence in court.
And what about all of the information collected by these firms to infer deep insights about your health? It could one day end up in the hands of hackers, or brokers who want to exploit that information for sales purposes.
But one thing we don't have to worry about is that your boss is getting push notifications when you don't refill your birth control. We have laws for that.