AI governance for health insurance plans

Adopt AI with confidence. Govern it with control.

AI is becoming part of everyday health plan operations, from claims and fraud detection to utilization management, prior authorization, and member services. As adoption grows, it becomes harder to keep track of where AI is being used, what member data it can access, and whether the right safeguards are in place.

At the same time, AI is only one part of a wider risk picture. Health plans still need to manage cyber exposure, third-party access, compliance obligations, and the operational risks that come with a highly connected environment.

AI governance for health insurance helps bring that into view, so you can expand AI use while keeping member data protected, risk under control, and oversight consistent across the organization.

Solution Synergy helps you build that governance so AI can grow across your organization without risk growing with it.

Know where AI is being used

Gain visibility into AI tools, applications, and use across your organization.

Govern AI responsibly

Put policies, oversight, and accountability around how AI is adopted and used.

Protect member data

Reduce the cyber and data risks surrounding AI, systems, providers, and vendors.

Be ready to demonstrate compliance

Build the governance and evidence needed for audits and evolving AI requirements.

AI is spreading fast. So are the risks around it.

As AI adoption grows across health insurance, so does the challenge of keeping it secure, compliant, and properly governed.

84%

of health insurers already use AI/ML in some capacity.
NAIC

71%

of health insurers using AI use it for utilization management.
NAIC

68%

of health insurers using AI use it for prior authorization.
NAIC

Only 32%

of insurers have digital infrastructure capable of reliably scaling AI.
IFHP

Governance. Visibility. Control.

Health plans need to know where AI is being used, what data it can access, which systems are exposed to risk, and who is responsible for managing it. Just as importantly, they need to demonstrate consistent oversight to executives, auditors, regulators, and their board.

Strengthen AI governance, cybersecurity, and compliance across your health plan

Your health plan connects members, providers, TPAs, business associates, data, applications, and cloud services across a complex ecosystem. As AI adoption accelerates, governance, cybersecurity, compliance, and operational resilience all need to keep pace.
Solution Synergy brings together the expertise and technology health plans need to gain visibility, oversight, and control across the entire environment, without treating every challenge as a separate problem.

Build governance around how AI is being used

AI increasingly supports claims operations, fraud investigations, utilization management, prior authorization, and member services. As adoption grows, health plans need visibility into where AI is being used, what data sources it can access, and how decisions are being governed.

Accorian + Aura AI help health plans establish AI governance frameworks, assess AI-related risk, improve accountability, strengthen compliance readiness, and demonstrate responsible oversight of AI-supported activities.

Give third parties access without expanding your attack surface

TPAs, business associates, providers, and technology partners need access to get work done. But they don’t need direct network access or broad permissions. Excessive, outdated, or unmanaged access can create additional pathways for attackers.

Xona allows health plans to control exactly what third parties can access while keeping critical systems isolated from direct exposure. Sessions can be monitored, controlled, and audited without granting broader access to the environment.

 

Know what’s connected, exposed, and creating risk

As AI adoption expands, more applications, systems, cloud services, vendor connections, and data sources require oversight. Risk can develop in places teams don’t realize exist until it becomes a security or compliance issue.

EAGLEi + Armis Centrix help health plans discover assets, understand cyber exposure, identify unmanaged risk, and prioritize the issues most likely to affect member data, operations, and compliance.

Prevent outages that disrupt member and provider services

Member portals, provider portals, APIs, and other digital health plan services depend on certificates working correctly behind the scenes. When certificates expire unexpectedly, critical services can go offline and disrupt member, provider, or business operations.

AppViewX helps health plans discover and track certificates and automate their lifecycle, so expirations can be addressed before they disrupt member, provider, or business operations.

 

Connect AI governance, cybersecurity and compliance into one strategy

AI governance, cybersecurity, compliance, third-party access, and operational resilience are closely connected. Managing them separately creates blind spots.
Solution Synergy brings these efforts together, giving teams a clearer view of risk and a more consistent way to manage it across the organization.

Scale AI across your health plan with confidence

Expand adoption without losing visibility, oversight, or control as more teams and functions start working with AI.

Build greater trust in AI-supported decisions

Demonstrate accountability and responsible use of AI to members, regulators, and leadership.

Take the pressure out of audits and regulatory reviews

Make it easier to show how your health plan is managing AI, cybersecurity, and compliance risk.

Manage risk consistently across the entire health plan

Give teams a common framework for identifying, prioritizing, and addressing risk across your health plan.

Protect the experience your members, providers and brokers depend on

Reduce the security and technology issues that can interrupt access to important health plan services.

AI governance

Cybersecurity

Compliance

Operational resilience

Third-party access

Make AI easier to adopt and risk easier to manage

Solution Synergy helps health plans strengthen AI governance, improve visibility, reduce cyber exposure, and demonstrate compliance more easily.

Sound familiar? This is how risk shows up across a health plan.

With so many teams, systems, and partners involved, risk can appear in places that are easy to overlook. If you recognize any of these situations, it’s time to take a closer look at your AI governance.

Your fraud team starts using AI to review cases

An AI tool is helping staff investigate potential fraud cases faster, but can you explain how it reached a recommendation, what member data it accessed, and whether it aligns with your governance policies?

Clear oversight makes AI-supported decisions easier to explain and defend, helping teams move faster without creating compliance or member trust issues.

Your claims platform adds a new AI feature

A routine update to your claims administration platform introduces new AI capabilities. The platform is already part of everyday work, but its new AI functionality changes how member and claims information is used.

Assessing new AI features quickly lets teams keep working without introducing unmanaged risk.

A TPA needs access to your claims system

A third-party administrator needs access to resolve claims issues, but broad permissions could expose more systems and information than the job requires.

Limiting access to exactly what’s needed reduces risk and restricts how far an attacker can move if a third-party account is compromised.

A firewall port is open and exposed to the internet

A firewall port that should have been closed remains open. No one is actively monitoring it, creating an unnecessary entry point for attackers.

Continuous exposure monitoring helps security teams find overlooked internet-facing risks, close vulnerabilities faster, and remove entry points before they put member data or operations at risk.

A Single TLS Certificate expires, and provider services go down

A TLS certificate expires unexpectedly, breaking trusted connections and taking provider-facing services offline.

Finding and renewing certificates before they expire helps keep provider and broker connections — and the services that depend on them — running without interruption.

Solutions built for the challenges facing modern health insurance plans

Your health plan has its own mix of AI, cybersecurity, and compliance challenges. Solution Synergy helps you choose the right approach for each one.

When you need to …

Solution

Establish oversight and governance for AI initiatives

Identify, reduce & control cyber risk across a complex payer environment

Improve compliance and prepare for audits and regulatory reviews

Control how TPAs, business associates, and vendors access your systems

Keep certificates from expiring and disrupting health plan operations

Keep pace with AI and stay ahead of the risk.

AI will continue changing how health plans operate. Governance, cybersecurity, compliance, and operational resilience must evolve alongside it.
Solution Synergy helps you understand where you stand today, identify the gaps that matter most, and prioritize the actions that reduce risk while enabling growth.

Common questions health plan leaders ask

FAQs about AI governance for health insurance

What is AI governance in health insurance?
AI governance gives health plans a clear framework for managing how AI is used across the organization. It helps establish oversight, accountability, visibility, risk management processes, and controls around AI-supported activities.
The NAIC AI Model Bulletin outlines expectations for how insurers should govern AI solutions that support consumer-facing decisions. It emphasizes accountability, transparency, risk management, and making sure AI-supported decisions comply with existing insurance laws.
Health plans should understand where AI is being used, what information it accesses, who is responsible for it, and what controls are in place. Governance policies, risk assessments, access controls, and continuous monitoring help reduce compliance risk.
Cyber exposure management provides ongoing visibility into the vulnerabilities, exposures, and attack paths that could affect a health plan. It helps security teams prioritize the risks most likely to impact member data and operations.
Health plans should inventory vendor relationships, understand what systems and data third parties can access, limit privileges to only what is necessary, and regularly review access as business needs change.
Health plans increasingly rely on TPAs, providers, cloud services, and business associates. Every external connection introduces potential risk, making access control, monitoring, and accountability essential components of a strong security strategy.