Modernizing Healthcare Quotation Systems

A major California-based healthcare insurer faced an annual race against time: each November, last-minute changes to ACA rules at both federal and state levels would trigger critical updates needed in their online quotation system—just weeks before open enrollment in January. Compounding this, their internal marketing team routinely delivered major content changes during the same period. With no in-house development team capable of adapting quickly, they required a highly skilled external team that could reliably deliver legal, technical, and marketing changes.

An experienced Pacific Northwest CTO consultant took full ownership of the annual cycle. Each year involved:

• Interpreting new ACA regulations (federal + CA state) without the benefit of AI tools.
• Rewriting calculation engines and quote logic from the public interface inward.
• Building and running a custom validation system to test thousands of quotation permutations.
• Updating and deploying changes to Drupal-based marketing content, banners, 302 redirects, and new mini interactive elements.
• Creating optimized deployment workflows and handling all database migrations and validation engines.

• Platform remained fully ACA-compliant across 5 consecutive annual cycles.
• Detected and corrected ACA validation mismatches in California's own state portal.
• Handled hundreds of simultaneous marketing and legal updates without failure.
• Maintained real-time collaboration with marketing and compliance teams while operating independently on all technical fronts.