Anthem's fact page is here. It's very sparse at the moment. They say credit card information is safe. They don't mention whether electronic banking information is safe as well. A credit card is easy to change. A bank account is much more of a hassle.
How are hackers going to sift through 80 million people's personal data to make use of it? Are they going to sell it off in batches? Are there enough buyers? What are the odds my data or your data will find its way to someone who tries to fraudulently use it? 1 in a million or more or less?
Would it be helpful for people to change the passwords and security answers for their bank accounts and credit cards? Aren't those the accounts we really need to protect? To get a new password, most banks and credit card companies require security answers. If we change those post-hack, even knowing our social security numbers shouldn't be enough to get a new one, or for thieves to log in, change our address and have a new card sent to them in the mail.
I have one credit card that doesn't allow me to log in from a computer it doesn't recognize (including a computer I've used before, just not in the past few months.) I get a message asking me for my home phone number. My phone rings almost as soon as I hit "click" and a recorded voice gives me a number code to log in with (in addition to my password.) Even if the thieves had my phone number to type in, since they wouldn't get the phone call, they wouldn't get the code.
Another question: How accurate are these credit monitoring services? I've used one for years that covers the three major credit bureaus, but I wonder whether they do anything besides alert you to a new credit inquiry or change of address. If someone has your data and uses it to buy something on an existing account, why would a monitoring service flag it as problematic?
Stricter cyberlaw penalties are not going to solve the hacking problem. I also doubt monitoring services are sufficient protection. If companies don't encrypt all our information, we're vulnerable and there's not much that can be done about it. Maybe we should all go back to paying our bills by paper checks using the U.S. mail intstead of the internet.