DataHub™ Integrates WTW’s HealthMAPS® Rating Intelligence Into Its Underwriting Automation Workbench
Stop Loss Carriers and MGUs Can Now Access Industry-Standard Actuarial Rating — Automated, Inside a One Platform
Colorado Springs, CO – (August 12) –Relied on by more than 200 organizations across the self-funded health ecosystem, HealthMAPS® has served as the actuarial foundation for stop loss underwriting for over 50 years. With today’s announcement, those rating manuals are no longer a separate reference tool — they are the engine inside DataHub™ automated underwriting workflow.
The Problem This Solves
Until now, underwriters at stop loss carriers and MGUs have been forced to toggle between their underwriting platform and HealthMAPS® as a standalone reference — manually translating actuarial guidance into pricing decisions. This context-switching slows turnaround times, introduces inconsistency, and leaves room for human error at the most critical point in the underwriting process.
DataHub™ eliminates that gap entirely. HealthMAPS® rating logic is now applied automatically through DataHub™ SmartRules™ Engine, alongside its AI-powered SmartExtractor™ for census data capture and SmartPlan™ for tailored plan recommendations — giving underwriters the actuarial answer before they have to ask for it.
“HealthMAPS® has been the gold standard for stop loss rating for decades. Embedding it inside DataHubTM means our clients are no longer working between tools — they’re working in one. The actuarial intelligence is already there when the underwriter opens a case. That is a fundamentally different experience, and it translates directly into faster decisions and better risk outcomes.”
— Sumeet Gulati, Founder & CEO — DataHub™
“HealthMAPS® has long provided the actuarial foundation for group health underwriting. We are pleased to see DataHub™ incorporating HealthMAPS® manuals into its platform to support client workflows and provide users with access to HealthMAPS® manuals within their existing operating environment. Bringing actuarial content and workflow tools together in a single environment has the potential to enhance the user experience and improve operational efficiency.
— Linh Duong Ebbers, ASA, MAAA, Senior Director and HealthMAPS® Product Leader, WTW
What the Integration Delivers:
Stop loss carriers and MGUs using DataHub™ now benefit from:
HealthMAPS® Rating Logic, Automated
WTW’s stop loss rating manuals are applied natively through DataHub™ SmartRules™ Engine — eliminating manual lookups and ensuring consistent, auditable underwriting decisions.
Faster Quote Turnaround
Underwriters receive actuarially-grounded rate guidance within the same workflow they use for census extraction, risk scoring, and plan recommendations — no switching between systems.
Reduced E&O Exposure
Decisions derived directly from WTW’s licensed manuals create a defensible, documented audit trail for every group underwritten.
One Workbench, Complete Intelligence
DataHub™ combines AI-driven risk assessment, automated data extraction, and now WTW actuarial rating in a single, purpose-built platform for the U.S. stop loss market.
About DataHub™ by Empowered Margins
DataHub™, built by Empowered Margins, is an underwriting automation workbench purpose-built for stop loss carriers and managing general underwriters across the United States. By combining AI-powered data extraction, intelligent rules automation, and now WTW’s HealthMAPS® actuarial rating intelligence, DataHub™ enables underwriting teams to deliver faster, more accurate decisions — while freeing underwriters to focus on complex risk assessments rather than administrative overhead. Clients include some of the most recognized names in U.S. group health insurance. Learn more at DataHub.insure.
About WTW HealthMAPS®
HealthMAPS® is Willis Towers Watson’s comprehensive suite of health rating manuals, analytics, and software tools for the U.S. insurance market. With more than 50 years of actuarial expertise, HealthMAPS® supports analyses for stop loss, prescription drugs, state-mandated benefits, and benefit relativity. More than 200 organizations rely on HealthMAPS® as their primary source of rating information. Learn more at wtwco.com
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Best Regards,
Arunava Acharjee
Sr. Product Marketing Manager – DataHub.Insure
Empowered Margins
2605A W. Colorado Avenue, Suite 219 Colorado Springs, CO – 80904