Interoperability in healthcare insurance systems is essential for creating a seamless flow of standardized, accurate, and adaptable information across diverse platforms and regions. Existing healthcare information standards, while providing structure, often lack the flexibility required for universal implementation, hindering data compatibility and usability. This paper presents a novel framework utilizing Microsoft’s .NET Core to address these challenges by building a versatile, plug-and-play solution for healthcare insurance information exchange. By implementing an interconnection layer over existing and future standards, this framework enhances both structural and semantic interoperability. Our approach involves designing data models and interoperability protocols that enable healthcare information to seamlessly adapt across systems, regardless of local standards or technological variations. The proposed mechanism is tested within .NET Core for its capacity to handle data mutation, transfer, and integration, ensuring compatibility and compliance across multiple healthcare insurance platforms. Results from our evaluation indicate significant improvements in data portability, accuracy, and system responsiveness, establishing this framework as a scalable and efficient solution. By leveraging .NET Core’s cross-platform capabilities, our framework provides a practical approach to achieving universal healthcare insurance information standards, promoting enhanced information integrity and usability across the healthcare sector.