Why Health Insurance Premium Doesn’t Update After Member DOB Change in OmniStudio

Real Problem

In Health Insurance enrollment or change flows built with OmniStudio, users sometimes update a member or dependent DOB, but the premium doesn’t reflect the new age.

• UI shows the updated DOB

• Premium still uses the old data

• Confusing for both users and business teams

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Why It Happens

• OmniStudio pricing depends on the data passed to the pricing engine, not just what the UI shows.

• Sometimes, the DOB update isn’t triggering the calculation logic (Remote Action, Integration Procedure, or step refresh), so the premium remains based on old data.

• Caching or effective date logic can also prevent recalculation.

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How to Fix It

1. Trigger calculations after the DOB update

   • Place the calculation or pricing action after the step where DOB changes

2. Use onChange events or step navigation

   • Force the system to recalculate when the field changes

3. Validate the payload

   • Check that the member DOB in the pricing input matches the updated value

4. Clear any cached quotes or pre-calculated data if necessary.

This ensures the premium is calculated correctly using the new DOB.

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How to Validate the Fix

• OmniScript check: Confirm updated DOB is present in the JSON

• Pricing request check: Ensure the new DOB flows into the pricing payload

• Pricing response check: Verify recalculated premium reflects the new DOB

• End-to-end test: Test checkout and policy creation for single and multiple members

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Takeaways

• Most pricing issues in OmniStudio are data flow problems, not pricing engine issues

• Always make sure updated UI data flows into all calculation steps