Maybe an allegory about how, based on the tracking data, the price you pay for something (say airline tickets) changes. Or the availability of health insurance for your kids? I don't have any facts on which to base the latter, however, but I suspect it's either happening or only a matter of time.
Health insurance is regulated way beyond what you would expect. At least for the individual market, many plans are standardized across all carriers as mandated by the ACA. And in New York (if not elsewhere), rates are proposed in advance to the state and either approved or rejected (and forced to adjust), which can happen for being too high or too low compared to other players. The rates are then set for the year. This is not something subject to real-time bidding.
