HealthPlus is a 50-year-old regional health insurance company with $10B in premiums, $20B in assets, and 2M members. Digital adoption is lagging competitors - only 30% of new members purchase online (vs. 60% for digital-native competitors), and renewal rates are declining. The CEO wants to build digital capabilities without disrupting the profitable legacy broker/agent sales channel (50% of revenue). Challenge: Build digital excellence while managing a large installed base of traditional agents/brokers.