SALON - May 30 - The big money in wearables could come from the data they generate and not the hardware. Insurance companies are particularly interested, as the data would allow them to more accurately assess risk for health, car, and home policies. The groundwork has been laid, as the Affordable Care Act lets employers charge employees different rates based on diet and exercise. Failure to submit to screening and participate in wellness programs could incur up to a 30% cost increase. Similar programs could be implemented for home and auto insurance based on risk factors in the house, such as frequent fire alarms, and driving habits.