A system is provided for using telemetry data based on user habit information or user monitoring. A monitoring device has one or more sensors that detect or measure user information selected from of at least one of, a user's activities, behaviors and habit information, and a user's health. The monitoring device includes ID circuitry with an ID storage that contains a unique user ID, a communication system which reads and transmits the unique user ID from the ID storage, a power source and a pathway system. A telemetry system with a database receives the user information from the telemetry device. One or more analysis tools are at the telemetry system that analyze the user information and produce analysis information that is sent to the monitoring device.
