This document discusses how health insurance is becoming simpler and more consumer-focused. It outlines four key ways that one insurance company keeps things simple: 1) limiting details until needed through simple visual design, 2) reducing complexity by understanding it with experts on staff, 3) using data to guide users instead of complex menus, and 4) staying focused by learning to cut non-essential functionality. The importance of design is highlighted in building the business and keeping processes simple. Future goals include even simpler plans, smarter member engagement, and integration into doctor offices.