X BY 2

Technology consulting and implementation services for insurance and healthcare organizations.

Insurtech Infrastructure Established Bootstrapped

Overview

X BY 2 is a technology consulting and implementation firm serving property and casualty carriers, life and annuity companies, and health insurers. The firm works with carriers and insurtechs on core system modernization, data and analytics, digital experience, and strategy engagements. Founded in 1998 and headquartered in Farmington Hills, Michigan, the company has built more than 25 years of domain experience in insurance and healthcare technology.

The company delivers services across strategy, system replacement and migration, data platform development, and customer-facing digital products. Engagements typically span core policy administration and claims platform implementations (Guidewire, Duck Creek), cloud data architecture, machine learning model deployment, and mobile or web channel development. X BY 2 also maintains proprietary healthcare technology products, including Choreo-ED, an AI-powered patient flow tool for emergency departments, and Monarch, a provider data migration solution.

Approximately 594 employees work across six continents. The firm has remained privately held and self-funded since founding. In 2023 it was named to the Inc. 5000 list of fastest-growing private companies in the United States.

Products & Services

Strategy & Transformation

Advisory and execution services for insurance and healthcare organizations defining or executing technology and business transformation programs.

Key Features

Technology roadmap development and business strategy alignment
Operating model design for digital-first operations
Transformation planning and program execution

Target Users: Insurance carriers and insurtechs planning or undergoing large-scale digital transformation

System Modernization

Implementation services for core insurance platform replacements and upgrades, covering policy administration, billing, and claims systems.

Key Features

Core system replacement and migration
Legacy system integration and data transformation
Vendor selection and implementation management

Target Users: P&C and Life & Annuity carriers modernizing core platforms

Data Analytics & AI

Data strategy, analytics engineering, and AI solution development for underwriting, claims, and operational use cases.

Key Features

Data platform architecture and cloud infrastructure
Machine learning model development and deployment
Responsible AI governance frameworks

Target Users: Carriers and health organizations seeking data-driven decision-making capabilities

Digital Experience

Customer and agent-facing digital product development across web and mobile channels.

Key Features

Customer portal and mobile application development
Digital distribution design
Agent and broker tool optimization

Target Users: Carriers and insurtechs building or improving digital engagement

Choreo-ED (Healthcare Product)

An AI-powered patient flow tool for hospital emergency departments that uses real-time patient data to anticipate admissions and optimize care delivery.

Key Features

Integration with major EMR systems including Epic
Deep-learning models trained on hospital-specific data
Reported time savings up to 150 minutes per patient visit

Target Users: Hospital emergency departments and health systems

Monarch (Healthcare Product)

A provider data migration and clinical data integration solution for healthcare organizations consolidating or modernizing clinical data systems.

Key Features

Clinical data migration and integration
Provider data management

Target Users: Healthcare organizations undergoing system consolidation

At a Glance

Founded: 1998
Headquarters: Farmington Hills, Michigan, USA
Employees: 501-1000
Funding: Bootstrapped

Category & Focus

Category: Insurtech Infrastructure
Subcategories: IT Consulting System Modernization Digital Transformation Data Analytics AI
Insurance Verticals: P&C Personal P&C Commercial Life & Annuity Health
Target Customers: Carriers, MGAs/MGUs