In 2025, artificial intelligence (AI) is reshaping the role of traditional health insurance agents in the US, sparking debates about whether it will replace them entirely. A June 2025 study by Jacobson Group and Aon’s Strategy and Technology Group found 55% of insurance companies plan to hire more staff, particularly in life and health insurance, suggesting human agents remain vital. Yet, AI’s rapid adoption is undeniable. McKinsey reports AI could boost insurer revenues by 15–20% and cut costs by 5–15% through automation of tasks like policy servicing and claims processing.
Startups like SUPERAGENT AI, launching fully autonomous AI agents by late 2025, aim to handle sales and customer service 24/7, claiming superior accuracy and responsiveness, per a Business Wire release. Their BOOT|camp and LIVE|assist tools, debuting in September 2025, cut agent onboarding time by 50% and boost close rates, signaling a shift where agents manage AI-driven teams rather than compete with them. “We’re redefining what it means to be an insurance agent,” said SUPERAGENT AI CEO Milan Veskovic.
However, industry voices emphasize the human touch. Jeff Rieder of Aon told InsuranceNewsNet, “Face-to-face consumer interaction remains critical,” especially for complex fiduciary needs. AI excels in routine tasks quoting, underwriting, and customer queries but struggles with empathy-driven counseling. Bain & Company notes agents are evolving into “financial doctors,” focusing on personalized solutions.
Key AI impacts include:
- Efficiency Gains: AI reduces claims processing from 30–45 days to hours, per Gnani.ai.
- Personalization: Platforms like Lemonade tailor policies using customer data.
- Job Evolution: Agents may shift to advisory roles, with compensation tied to client retention.
While AI’s role grows, a complete replacement of agents seems unlikely by 2026. Regulatory hurdles and consumer preference for human guidance ensure agents adapt rather than vanish.
