This is a very concerning and critical topic: Mining Your Data-For-Insurance - legal battle

Can someone who speaks legalese help clarify the topic in the link but more importantly in the other links embedded within the article?
This is a link from reuters that I thought my be relevant and interesting to this sub. It is very worrisome in that it is way, way too tricky.
On one hand the consumer is allured into 'getting paid' for his/her data but then is sold insurance plans that may or may not be accountable to state …

critical data insurance legal mining privacy