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Fitness trackers, from left, Basis Peak, Adidas Fit Smart, Fitbit Charge, Sony SmartBand, and Jawbone Move, are posed for a photo next to an iPhone, Dec. 15, 2014. (AP Photo/Bebeto Matthews)

Fitness bands and other gadgets are changing the way Americans exercise and track their goals. Soon, they also may change the way insurance companies calculate premiums.

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