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Phase 4: Those aggregate data from Millions of users provides additional insight that is only available from Apple. Health Insurance with these Data ( and your consent to use it ) will get better offers and Apple gets commissions. ( Services Revenue )

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Agreed. That is certainly the dark side of that path. From a user/patient perspective, the interesting side of that equation might be a world where those biometrics are tracked and integrated (with your consent) with an EHR so that your doctor can see continuous metrics in a way that is actionable for clinical decision making.