The health insurance people of various sorts who use this setup are the ones with domain knowledge. With an excel program, they can (1) understand how it works (2) add to it, modify it (3) create a copy and break it (4) debug it (5) have ideas about how it could work differently…
I’m not saying that excel is the tool for the job (sounds like it is definitely not), and those advantages erode as the setup gets more complex and/or has more people using it. But, there are reasons excel gets used this way.
The alternative is often rough. Software projects like this have high failure rates. Getting “requirements” out of users’/clients’ heads and into programmer’s is difficult. It means the standard (natural?) gap between domain knowledge and programming knowledge is restored. That has costs.
I’m going to repeat again that I am not advocating health insurance companies run policies and claims in excel. It is a bad idea, almost certainly. I am saying that we should be curious at why they are doing it this way. I think it’s a “good” question in that it leads to interesting places.
If the excel team was blessed with a plague of inspiration tomorrow morning, Is there a way they could make it so that excel is the right way to manage an insurance business?