One Inc's new protocol lets AI agents access insurance payment data

One Inc announced Model Context Protocol (MCP) on Feb. 3, 2026. MCP is an open protocol that speeds insurers' connection to One Inc's PremiumPay premium payments and ClaimsPay claims disbursement platforms. It runs inside customers' corporate LLM environments, including Claude, ChatGPT Enterprise, and Microsoft Copilot. MCP provides secure, logged API access so carriers can combine One Inc payments data with internal systems. Developers get AI help to write, document, validate, and test integration code to shorten go-live time. Business users receive reports and AI analysis that cut manual work, reduce exceptions, and tighten fraud controls while improving policyholder service. One Inc handles $120 billion in premiums and claims each year for more than 300 carriers.

Why It Matters

• Developers can use their preferred corporate LLMs to generate and test integration code, shortening PremiumPay and ClaimsPay go-live timelines.
• Security architects retain control: MCP uses customer credentials to provide secure, logged, auditable API access for compliance and oversight.
• Operations teams reduce manual exception handling, lower error rates, and strengthen fraud detection through AI-driven payments analysis and reporting.