From what you said though, it sounds like when you opt out of data tracking, you're at a disadvantage from those who are being tracked. (i.e. those being activity-tracked and proved to be healthy get lower insurance premiums) This seems to be the opposite of what OP wants -- be motivated to stop being tracked.

At a higher level view, this appears to be a prisoner's dilemma. If everyone opts out, everyone is eventually better off. But some people will opt in now, and get the short term benefits (lower insurance premiums). In the long term, everyone will be worse off.