Health insurance is undergoing a digital transformation driven by legislative, competitive, and consumer pressures. In order to survive and thrive amidst industry disruption, many progressive health insurers are pioneering new business models anchored by a modern, “composable," API-led approach to IT. Using case studies from Premera Blue Cross and other leading payer organizations, this paper addresses:

• Trends driving digital transformation in health insurance, and how leading payers are responding
• The benefits of API-led connectivity for health insurers
• Design principles for an API-led connectivity architecture