US Insurance AI Discovery Index — Edition 1
Who does AI recommend when buyers ask about insurance?
We measured 88 US insurance organizations across ChatGPT, Perplexity, Gemini, and Claude on name-free buyer questions — every answer stored in a tamper-evident evidence chain.
US Insurance AI Discovery Index — Edition 1 · June 2026 · 88 organizations · methodology 2026.1
of the 88 measured organizations (57) appear in no buyer answer on Perplexity.
are invisible on ChatGPT (43 of 88) — while Google Gemini names most of the same organizations.
organizations in the frozen Edition-1 cohort (June 2026) — segments are never ranked against each other.
The finding: visibility is engine-specific
The same cohort, the same questions — four very different answers.
| Assistant | Invisible (of 88) | Avg. visibility | Regional P&C invisible | Health plans invisible |
|---|---|---|---|---|
| ChatGPT | 43 (49%) | 15% | 33/38 (87%) | 10/50 (20%) |
| Claude | 43 (49%) | 16% | 17/38 (45%) | 26/50 (52%) |
| Google Gemini | 4 (5%) | 82% | 3/38 (8%) | 1/50 (2%) |
| Perplexity | 57 (65%) | 9% | 38/38 (100%) | 19/50 (38%) |
Combined across all four assistants, only 2 of 88 organizations (2%) are invisible everywhere — an organization counts as visible on a question when at least one assistant names it. That average hides the story: the assistant your buyer happens to use decides whether you exist in the answer.
Regional health plans
Each dot is one regional health plan in the Edition-1 cohort. 0 of 50 (0%) never appear in any name-free buyer answer on any of the four measured assistants — per-assistant gaps are far larger (see the table above). The invisible are reported only as this anonymous count.
Who the AI named — leaders by presence
- AmeriHealth100% of questions
- AvMed100% of questions
- Baylor Scott & White Health Plan100% of questions
- Blue Cross and Blue Shield of Alabama100% of questions
- Blue Shield of California100% of questions
- BlueCross BlueShield of South Carolina100% of questions
- BlueCross BlueShield of Tennessee100% of questions
- CDPHP100% of questions
Names appear because the assistants named them — frequency is a measured fact, not our rating or endorsement.
Regional P&C carriers
Each dot is one regional p&c carrier in the Edition-1 cohort. 2 of 38 (5%) never appear in any name-free buyer answer on any of the four measured assistants — per-assistant gaps are far larger (see the table above). The invisible are reported only as this anonymous count.
Who the AI named — leaders by presence
- Acuity Insurance100% of questions
- Auto-Owners Insurance100% of questions
- Central Insurance100% of questions
- Cincinnati Insurance100% of questions
- Concord Group Insurance100% of questions
- Donegal Insurance Group100% of questions
- EMC Insurance100% of questions
- Encova Insurance100% of questions
Names appear because the assistants named them — frequency is a measured fact, not our rating or endorsement.
What an answer actually looks like
“best business insurance provider for mid-size businesses”
AI assistants nameEvidence receipts: pub-fe0d55d022d3 · pub-b75398e8fa09
“best health insurance plan for mid-size employers”
AI assistants nameEvidence receipts: pub-ceaf310c4981 · pub-d131ede2e6a3
Cohort and method
Inclusion criteria: US regional and mid-market insurance carriers (50 health, 38 commercial P&C) with an owned website and active digital presence, selected before measurement in June 2026. National giants are tracked only as competitor mentions, not ranked members. Cohort frozen 2026-06-01; capture period June 2026; methodology 2026.1 (full methodology). Every published number is regenerated from the frozen evidence and verified before publication — nothing is hand-copied.
Disclosures
- Benchmark metric computed on: chatgpt, claude, gemini, perplexity.
- Headline visibility counts a question as covered when at least one measured engine names the organization; per-engine distributions are reported separately because engines differ substantially.
- Canonical discovery questions: p1, p10, p12, p14, p4, p7.
- Capture window: 2026-06-01 through 2026-06-30 (inclusive).
- 419 answer(s) captured before methodology stamping are attributed to methodology 2026.1 by operator assertion.
- This edition has no sponsors. Sponsorship never buys a ranking, suppresses a result, or changes methodology.
Corrections and right of reply
No corrections have been issued for this edition. Measured organizations may request the evidence behind their result or submit a correction at info@nextaiforge.com. Corrections never mutate the original evidence; they are logged publicly here. Organization-level negative detail is shared privately with that organization only.
Want your number — and why?
The index shows the market. The AI Visibility Report shows your brand: the same four-assistant measurement, question by question, with every answer preserved verbatim — delivered in 48 hours for a fixed $290.