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Fitness trackers are extremely privacy invasive, numerous problems reported have led to lawsuits and recalls Nevertheless, insurance companies are offering them to clients for free or at discounted prices because, they want their personal health data to analyze and perhaps sell to 3rd parties. A fitness tracker, such as a Fitbit or an Apple Watch, makes it easy to monitor many aspects of your health. You can count steps, watch your heart rate and check your sleep habits, among other things.