specification: API Commons Plans
specificationVersion: '0.1'
schema: https://raw.githubusercontent.com/api-evangelist/interface-research/main/schema/api-commons.yml#/$defs/Plans
provider: aflac
providerId: aflac
created: '2026-05-04'
# Provenance stamped 2026-08-11: this artifact was written by the API Evangelist
# bulk sweep dated 2026-05-04, not harvested from the provider. See roadmap#35.
method: generated
modified: '2026-05-05'
reconciled: false
plan_count: 2
docs_checked: >-
  Re-checked 2026-09-04 against the Aflac Enterprise Connect developer portal
  (https://docs.enterprise-connect.aflac.com, 7,160 indexed content sections): the portal carries a
  "Cost Management" architecture page about AWS spend, but publishes NO API pricing, no tiers, no
  quotas priced per call, and no commercial terms of any kind. AEC is an internal platform, so
  there is nothing for an outside buyer to price. The two entries below remain the honest reading:
  integration terms are set by partner contract, and consumer premiums are state-filed.
notes: Aflac is a supplemental insurance carrier. It does not publish a public developer API or
  per-call pricing; broker/employer integrations and consumer policies are sold through licensed
  channels with state-filed rates.
tags:
  - Insurance
  - Supplemental Insurance
  - Health
  - Voluntary Benefits
description: Aflac does not expose a publicly priced developer API. Insurance products are
  underwritten and sold through licensed agents, with premiums filed with state insurance
  regulators rather than published as per-call pricing.
sources:
  - https://www.aflac.com/
plans:
  - id: aflac-broker-integration
    name: Broker / Employer Integration
    type: enterprise
    description: Custom enrollment and claims integration for brokers and employers; pricing
      governed by partner agreement.
    entries:
      - label: Partner contract
        name: custom
        type: subscription
        metric: contract
        limit: -1
        timeFrame: month
        geo: US
        unit: 1
        price: contact sales
        userMultiplied: false
    elements:
      - name: Enrollment integration
      - name: Claims integration
      - name: Group benefits administration
  - id: aflac-policy-premiums
    name: Policy Premiums
    type: subscription
    description: Consumer policy premiums set per product/state filing; quoted to the policyholder
      based on age, coverage, and state.
    entries:
      - label: Premium
        name: premium
        type: subscription
        metric: month
        limit: -1
        timeFrame: month
        geo: US
        unit: 1
        price: state-filed; quoted per policy
        userMultiplied: false
    elements:
      - name: Accident
      - name: Cancer / Critical Illness
      - name: Hospital Indemnity
      - name: Short-term Disability
      - name: Dental and Vision