Save Insurance Form as Draft

When the policyholder/subscriber differs from the client (e.g., a minor whose parent is the subscriber), the insurance form currently requires full subscriber details like DOB and address before it will save anything, and if that info isn't available yet, all previously entered data is lost. This is a real problem for intake workflows where subscriber info often trickles in over a day or two. Suggested fix: allow the form to save as a draft with partial fields, flagging it as "incomplete" until required fields are filled, similar to how many EHRs handle in-progress client charts.