The State of US Insurance APIs

About this paper

Banking was opened by a mandate. Payments was opened by a mandate. Healthcare was opened by a mandate. US insurance has none — no federal regulator, no open-insurance rule, fifty state departments coordinated rather than governed by the NAIC. That makes this the cleanest natural experiment in the series: what does an enormous, sophisticated, data-saturated industry do when nobody has ever forced it to publish?

It publishes almost nothing. Seventy-nine organizations scored, averaging 29.4, with nothing reaching Exemplar or Strong and the ceiling held by a health insurer that got there under healthcare rules. Insurance has four verbs — quote, bind, issue, FNOL — and exactly one company in the country publishes bind. The full report maps the resource taxonomy, the ACORD-versus-CIECA standards collapse, the agent-readiness cliff, provider-by-provider intelligence on everyone above the line, and an unusually well-defined whitespace — along with a candid disclosure of where the underlying scores are inflated by artifacts API Evangelist generated rather than providers published.

What's inside

1. Executive summary — the control group for the mandate argument
2. The state of the sector — fifty regulators and no forcing function
3. The resource taxonomy — what this sector actually exposes
4. The four verbs — the finding that matters most
5. The composite Kin Score — and the provenance caveat
6. Agent-readiness — the separate score, and the cliff
7. The blueprint — what the leaders satisfied, and what nobody has
8. Standards and the agentic turn — ACORD, CIECA, and a standard nobody can call
9. Security, auth, scopes and consent
10. Provider-by-provider intelligence
11. The investable thesis
12. Where this is going

What you get for $500.00