compare_cohorts
Healthcare vs Insurance: two regulated markets, and healthcare trails
Insurance outscores healthcare on score, agent readiness and contract quality. Healthcare has the lowest agent readiness in this showcase.
Healthcare
Insurance
Each sun is drawn from the cohort's averages: six facet rings, the mean Kin Score and mean agent readiness.
Both markets are regulated and data-heavy, and both are under pressure to open up through FHIR, interoperability rules and embedded insurance. The catalog says insurance is further along. Its 681 scored providers average 18.9 against healthcare’s 15.7, across 2,107 scored providers. Insurance also leads on contract quality, 10.7 against 6.9.
Healthcare’s agent readiness averages 5.4, the lowest of any cohort on this page. Only 4% of healthcare providers publish a first-party MCP server. Healthcare is a large market for API products, and very little of it is ready for an agent to call.
Insurance scores higher and is also slightly better enriched, so depth_confounded is true. Healthcare’s thin-coverage count is the larger story: 2,031 of 2,107 scored members have less than half their catalog-attributable points satisfied. That gap is ours to close as much as theirs.
The distributions
| Healthcare | Insurance | Delta | |
|---|---|---|---|
| Kin Score, mean | 15.7 | 18.9 | -3.2 |
| Kin Score, median | 11 | 13.8 | -2.8 |
| Kin Score, highest | 79.4 | 66.2 | |
| Kin Score, std dev | 13.7 | 14.3 | |
| Agent readiness, mean | 5.4 | 8.4 | -3 |
| Agent readiness, highest | 66.3 | 56.9 |
Delta is Healthcare minus Insurance, as the tool returns it.
Where the providers sit
Healthcare
Insurance
Facet averages
| Facet | Healthcare | Insurance | Delta |
|---|---|---|---|
| Discoverability | 54.5 | 57.5 | -3 |
| Contract Quality | 6.9 | 10.7 | -3.8 |
| Contract Governance | 5 | 6.3 | -1.3 |
| Operational Transparency | 6.2 | 8.1 | -1.9 |
| Developer Ergonomics | 12.8 | 18.7 | -5.9 |
| Access Clarity | 21.7 | 24 | -2.3 |
What they publish
Share of each cohort's providers publishing each artifact. mcp_pct counts any mcp/ artifact including ones API Evangelist derived from the provider OpenAPI; mcp_first_party_pct counts only servers the provider publishes. Prefer the latter.
| Artifact | Healthcare | Insurance | Delta |
|---|---|---|---|
| First-party MCP server | 4% | 6% | -2 |
| Any MCP artifact (incl. derived) | 5% | 7% | -2 |
| OAuth scopes | 7% | 12% | -5 |
| Spectral rules | 5% | 8% | -3 |
| Arazzo workflows | 1% | 1% | 0 |
| Agent skills | 0% | 0% | 0 |
| Security artifact | 99% | 99% | 0 |
How well we know each cohort
The coverage behind the averages. A cohort with a higher catalog gap and fewer artifact directories has been enriched less, so part of any difference is our coverage rather than the market.
| Healthcare | Insurance | |
|---|---|---|
| Declared members | 2353 | 710 |
| Scored (in the averages) | 2107 (90%) | 681 (96%) |
| Thinly covered | 2031 | 644 |
| Median artifact directories | 6 | 7 |
| Mean catalog gap (points we could add) | 83.9 | 81.6 |
The full compare_cohorts response
{"a":{"kind":"industry","slug":"healthcare","name":"Healthcare","members":2353,"stats":{"kind":"industry","slug":"healthcare","name":"Healthcare","tier":"report","coverage":{"declared_members":2353,"resolved_members":2353,"scored_members":2107,"agent_scored_members":2107,"scored_share_pct":90,"unexamined_members":231,"enrichment_depth":{"mean_catalog_gap":83.9,"median_artifact_dirs":6,"n":2107,"thinly_covered":2031,"thinly_covered_of":2107,"thin_coverage_note":"2031 of 2107 scored members had under half their catalog-attributable points satisfied at all (catalog_earned / catalog_max < 0.5). They are INCLUDED in the mean above. A large share here means the cohort mean is partly a measurement of how far our enrichment reached, not only of how these providers publish.","note":"Rubric points API Evangelist could add to the average member with no action by the providers, and the median count of artifact directories we hold on them. A cohort with a higher gap and thinner artifacts has been enriched less, so part of any difference between its mean and another cohort's is our coverage rather than the market. Compare two cohorts only when this figure is comparable. It is an upper bound on our backlog: it says who CAN close a gap, not who did."},"unexamined_note":"Excluded from the distribution: these carry a catalog-owned needs_work flag (never enriched, or no resolvable host). They are listed as members and keep their own page and score; they do not vote in the averages, because their score measures our coverage rather than their posture."},"sufficient":true,"kin_score":{"mean":15.7,"median":11,"min":0,"max":79.4,"stdev":13.7},"agent_readiness":{"mean":5.4,"median":0,"min":0,"max":66.3,"stdev":11.4},"band_distribution":{"exemplar":16,"strong":42,"developing":121,"thin":136,"emerging":767,"minimal":1025},"facet_averages":{"discoverability":{"mean":54.5,"n":2107},"contract_quality":{"mean":6.9,"n":2107},"contract_governance":{"mean":5,"n":2107},"operational_transparency":{"mean":6.2,"n":2107},"developer_ergonomics":{"mean":12.8,"n":2107},"access_clarity":{"mean":21.7,"n":2107}},"adoption":{"mcp_pct":5,"mcp_first_party_pct":4,"mcp_note":"mcp_pct counts any mcp/ artifact including ones API Evangelist derived from the provider OpenAPI; mcp_first_party_pct counts only servers the provider publishes. Prefer the latter.","skills_pct":0,"scopes_pct":7,"security_pct":99,"arazzo_pct":1,"rules_pct":5}}},"b":{"kind":"industry","slug":"insurance","name":"Insurance","members":710,"stats":{"kind":"industry","slug":"insurance","name":"Insurance","tier":"report","coverage":{"declared_members":710,"resolved_members":710,"scored_members":681,"agent_scored_members":681,"scored_share_pct":96,"unexamined_members":25,"enrichment_depth":{"mean_catalog_gap":81.6,"median_artifact_dirs":7,"n":681,"thinly_covered":644,"thinly_covered_of":681,"thin_coverage_note":"644 of 681 scored members had under half their catalog-attributable points satisfied at all (catalog_earned / catalog_max < 0.5). They are INCLUDED in the mean above. A large share here means the cohort mean is partly a measurement of how far our enrichment reached, not only of how these providers publish.","note":"Rubric points API Evangelist could add to the average member with no action by the providers, and the median count of artifact directories we hold on them. A cohort with a higher gap and thinner artifacts has been enriched less, so part of any difference between its mean and another cohort's is our coverage rather than the market. Compare two cohorts only when this figure is comparable. It is an upper bound on our backlog: it says who CAN close a gap, not who did."},"unexamined_note":"Excluded from the distribution: these carry a catalog-owned needs_work flag (never enriched, or no resolvable host). They are listed as members and keep their own page and score; they do not vote in the averages, because their score measures our coverage rather than their posture."},"sufficient":true,"kin_score":{"mean":18.9,"median":13.8,"min":0,"max":66.2,"stdev":14.3},"agent_readiness":{"mean":8.4,"median":0,"min":0,"max":56.9,"stdev":13.1},"band_distribution":{"strong":16,"developing":67,"thin":80,"emerging":262,"minimal":256},"facet_averages":{"discoverability":{"mean":57.5,"n":681},"contract_quality":{"mean":10.7,"n":681},"contract_governance":{"mean":6.3,"n":681},"operational_transparency":{"mean":8.1,"n":681},"developer_ergonomics":{"mean":18.7,"n":681},"access_clarity":{"mean":24,"n":681}},"adoption":{"mcp_pct":7,"mcp_first_party_pct":6,"mcp_note":"mcp_pct counts any mcp/ artifact including ones API Evangelist derived from the provider OpenAPI; mcp_first_party_pct counts only servers the provider publishes. Prefer the latter.","skills_pct":0,"scopes_pct":12,"security_pct":99,"arazzo_pct":1,"rules_pct":8}}},"comparable":true,"delta":{"kin_score_mean":-3.2,"kin_score_median":-2.8,"agent_readiness_mean":-3,"facets":{"discoverability":-3,"contract_quality":-3.8,"contract_governance":-1.3,"operational_transparency":-1.9,"developer_ergonomics":-5.9,"access_clarity":-2.3},"adoption":{"mcp_pct":-2,"mcp_first_party_pct":-2,"mcp_note":null,"skills_pct":0,"scopes_pct":-5,"security_pct":0,"arazzo_pct":0,"rules_pct":-3},"enrichment_depth":{"mean_catalog_gap":2.3,"median_artifact_dirs":-1}},"depth_confounded":true,"depth_note":"Insurance scores 3.2 points higher than Healthcare AND is the better-enriched cohort: 2.3 points less catalog_gap and 1 more artifact directories on the median member. The market difference and our coverage difference point the same way, so this delta cannot be attributed to the markets on its own. Close the enrichment gap, or report both figures together."}
Result read 2026-10-27. Healthcare and Insurance each have their own page with the full roster and leaderboard.
Run this comparison yourself
Everything above came from one call to compare_cohorts. Swap in any two tags, industries, regions, areas or VC portfolios and you get the same answer for your own shortlist. It is an Understanding tool, included in the Understanding and Influence plans, or pay per call.
https://apis.io/mcp:
{"name": "compare_cohorts", "arguments": {"a": "industry:healthcare", "b": "industry:insurance"}}
Over the REST API:
curl "https://apis.io/api/v1/cohorts/compare?a=industry:healthcare&b=industry:insurance" \
-H "X-API-Key: $APIS_IO_KEY"
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