Examining the End of Manual Enrollment

In the insurance ecosystem, data is the lifeblood of coverage, yet it is rarely clean. In fact, approximately 80 percent to 85 percent of insurance data is unstructured, and for items such as claim files, the number can be as high as 97 percent, according to Accenture.

Unlike banking or retail, where transactions follow more rigid standards, group health insurance data is uniquely chaotic. It involves a constant flux of stakeholders, such as employers, brokers, carriers and third-party administrators, each speaking a different digital language.

For insurance professionals, the status quo is a daily battle against disorder. Employees join and leave, life events trigger plan changes and regulatory variations across states shift eligibility rules overnight. However, the true friction lies not in the volume of data, but in its format. When a broker spends 60 percent of their time on data cleanup rather than strategic consulting, the industry doesn’t just have a workflow problem; it has a viability problem.

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