How iPhone apps could affect your insurance

To determine rates for the customer,The life insurance company have a new tool for it.

  Apple's (AAPL, Tech30) design  new mobile operating system, developers can build apps that find heart rate, sleep, weight and blood pressure.
  Then user select they can then send that information to doctors for medical advice.
  Health insurers, which are barred by Obamacare from denying coverage based on pre-existing conditions, can't base their decisions on this kind of information. But the situation is different for life insurers, who use medical records to make decisions about the relative risks of prospective customers.

Bradley shear whose the lawyer on digital privacy said "If I'm an insurance company, I'd want access to everything, all the data points, so I can make an informed business decision,"

HealthCare.gov Insurance Site hacked

A hacker broke into part of the HealthCare.gov insurance enrollment website in July and uploaded malicious software, according to federal officials.

Investigators found no evidence that consumers' personal data was taken in the breach, federal officials said. The hacker appears only to have accessed a server used to test code for HealthCare.gov. The Department of Health and Human Services discovered the attack last week.

The attack comes as the federal government and insurance companies prepare for open enrollment, which begins Nov. 15. It is likely to be seized on by Republican lawmakers, who oppose the law, in fall campaigns as another sign of the health law's flaws. HealthCare.gov suffered from crippling technology problems when it launched in October, though the government has since improved the site.