Payors in the US are going through a seismic change because of the internal and the external factors directly impacting their business model. It has placed them in a challenging situation of cost containment and building new capabilities, which will make them more competitive, at the same time. Rise in consumerization has made unstructured social data extremely critical for every aspiring customer centric payor organizations. While it is evident that data intelligence is going to drive the businesses of tomorrow, it is not clear whether payors are ready for the change. The answer to some of these question is addressed in the paper  through a Data Lake  concept combined With API Driven Platform – A New Way to Think About Data and Analytics and solving business problems for payors.