[throwawayadvsec]

sometimes I forget that most people on HN live in uncivilized countries like the USA

In normal countries that would mean we could save thousands of lives by warning people without even having to test them. Since denying insurance because of some random data from a data broker is completely illegal in any civilized country.

[vore]

You should stop tilting at windmills about a completely hypothetical example just to get your dunk in on the US like this.

[otikik]

Agreed, there's plenty of real examples one can use, no need to invent new ones.

[tfehring]

It’s completely illegal in the US too. Health insurers are extremely limited in the information they can use to price coverage, and in general they can’t outright deny coverage at all.