Here's what I don't understand: why do you think it's ok to "hide" health information from a company that is insuring your health? IMO the insurance company should have every right to your health history so they can make an informed decision about what your rates should be. It actually _hurts_ everyone because to "cover their bets" they have to artificially inflate rates (in case you're hiding something).
Think about car insurance: car insurance companies get access to your full driving record. They can see how many wrecks / tickets you've had... and how expensive the cars are that you drive. Then they make a determination of your rate based on their risk.
Also: go take out a life insurance policy sometime. They require that you get a FULL (and I mean - really thorough) examination before they'll give you a policy. While it's not your whole "history"... it is an assessment of your health.
Health insurance is not a _right_. It's provided by private companies that are making risky investments in _you_.
Your life, car or health insurance don't get the details. None of them.
I have a life insurance policy, and I covered my wife and kids too and didn't have to have an examination at all. With more coverage I'd have to get a blood test but that's it. But they don't monitor how I live my life day to day. No details.
Health insurance sees what I had done as they get the bill. Just not the details. That's between you and your doctor.
Car insurance sees if I have wrecks and tickets but that's it. They can't see where I'm driving, what speed I'm driving at, etc. None of the details. Just as health insurance doesn't get the details. It's not about hiding, it's about privacy. There's a difference.
Actually my company is self insured. They hire BCBS just to handle billing but my company pays all claims out of their own pocket. It is a HDHP so I do pay the first $4200 out of my own pocket. Does my company deserve to know my health details as a result? Hell no.
Now there are options you can choose to lower your rates. You can plug a device in your vehicle that allows your insurance to monitor you. Some insurance companies, health and life, are giving people apple watches and monitoring their activity in exchange for lower rates. But these are choices and not mandatory.