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Join in on the conversation with host Ramesh Kumar, CEO and Co-Founder of zakipoint Health, as he interviews key self-funding experts and dives deep into impactful topics and perspectives surrounding the self-funding industry. Make sure you continue to tune in to hear unparalleled perspectives in each upcoming episode! We will cover a diverse mix of topics ranging from the challenges that TPAs face, price transparency, competitive implications, and more.
Episodes

Friday Mar 14, 2025
Episode 35 Transformational Leadership in Self-Funding
Friday Mar 14, 2025
Friday Mar 14, 2025
In this episode of Voices of Self-Funding, Ramesh Kumar sits down with Kari Niblack, CEO of Boon-Chapman, and Amy Gasbarro, President of ELMCRx Solutions, to explore what transformational leadership looks like in the self-funded space.
They discuss:
- Aligning vision and execution – How successful leaders bring teams together with clear goals and strategy.
- Authenticity in leadership – The power of leading with transparency, purpose, and a parallel personal brand.
- Differentiation in self-funding – How to stand out and drive innovation in a competitive market.
- Long-term strategies for empowering teams – The mindset and tools needed to create high-performing, future-ready organizations.
Tune in for valuable insights on what it takes to lead, innovate, and inspire in the ever-evolving world of self-funded healthcare.
This episode was sponsored by Valenz Health. For more information on managing risks and controlling costs, please visit HCAA.org.

Tuesday Dec 10, 2024
Episode 34 Innovative Broker Strategies to Manage Risks and Costs
Tuesday Dec 10, 2024
Tuesday Dec 10, 2024
Employers need proven strategies to manage risks and control costs, but with hundreds of point solutions on the market, how do brokers know where to focus? In this episode, a leading benefits consultant shares the innovative solutions they're implementing, why these choices matter, and the pivotal role a trusted TPA plays in this process. Tune in to gain insights that can guide your own risk and cost management decisions.
This episode was sponsored by Valenz Health. For more information on managing risks and controlling costs, please visit HCAA.org.

Friday Oct 04, 2024
Friday Oct 04, 2024
Join me for an insightful conversation with Kirti Mutatkar, CEO of UnitedAg and President of HCAA. Discover how Kirti tripled UnitedAg’s business by leveraging the powerful resources of HCAA, and how she's bringing that same energy and passion to benefit other HCAA members. We’ll dive into the value HCAA provides to TPAs, brokers, and employers, and explore how its digital programs and live events have empowered organizations like UnitedAg to grow. Kirti will also share her vision as HCAA President and what members can expect in the next two years. Don't miss this deep dive into how HCAA helps employers offer more affordable healthcare to their employees.
This episode was sponsored by Valenz Health. For more information on HCAA, please visit HCAA.org.

Wednesday Sep 04, 2024
Episode 32 Investigating PBM Contracting and Ways to Manage Rx Costs
Wednesday Sep 04, 2024
Wednesday Sep 04, 2024
Join us as we sit down with Paul Ashley, CEBS, a Vice President and Consultant at NFP. Paul has 22 years of experience managing health plans for upper- to middle-market employers. During the podcast, we talked about the various ways that organizations can improve transparency and reduce their pharmacy costs, as well as examining the latest trends in PBM contracting.
This episode was sponsored by Valenz Health. For more information on PBM contracting or other topics related to the self-funding industry, please visit HCAA.org.

Friday Jun 14, 2024
Friday Jun 14, 2024
Join us as we welcome Oliver Ayres, President Key Family, Key Benefit Administrators, to discuss the Direct-to-Employer (DTE) approach to improve health care cost containment. Oliver simplifies the complexities of DTE, empowering both employers and employees to navigate the health care benefits maze more effectively. In this episode, Oliver breaks down the intricacies of DTE and shares how it can both cut costs and boost access for self-funded employers and their teams. He will also share real-world examples of how it outperforms the Reference-Based Pricing model for employers and employees. Finally, he'll share valuable advice for brokers, employers, and TPAs considering DTE adoption.
This episode was sponsored by Valenz Health. For more information on DTE or other topics related to the self-funding industry, please visit HCAA.org.

Thursday May 02, 2024
Episode 30 Examining Population Health Management: Part Two
Thursday May 02, 2024
Thursday May 02, 2024
In this episode, Ramesh continued his discussion with Fred Goldstein, co-founder and lead host of PopHealth Week, a weekly radio show that engages thought leaders, disruptive companies, and health systems in the field of Population Health Management. This is the second of a two-part podcast that was recorded in front of a live audience at HCAA's Executive Forum and examined GLP-1, weight loss, gene therapies, reinsurance, and outcomes based contracts. The discussion also focused on population health and the use of data, access to primary care, maternity and musculoskeletal care, and more.
This episode was sponsored by Valenz Health. For more information on captives or other topics related to the self-funding industry, please visit HCAA.org.

Friday Apr 12, 2024
Episode 29 Examining Population Health Management: Part One
Friday Apr 12, 2024
Friday Apr 12, 2024
In today's episode, Ramesh interviews Fred Goldstein, co-founder and lead host of PopHealth Week, a weekly radio show that engages thought leaders, disruptive companies, and health systems in the field of Population Health Management. This is the first of a two-part podcast that was recorded in front of a live audience at HCAA's Executive Forum and examined GLP-1, weight loss, gene therapies, reinsurance, and outcomes based contracts. The discussion also focused on population health and the use of data, access to primary care, maternity and musculoskeletal care, and more.
This episode was sponsored by Valenz Health. For more information on captives or other topics related to the self-funding industry, please visit HCAA.org.

Tuesday Feb 13, 2024
Episode 28 What is Up with the Growth in Captives?
Tuesday Feb 13, 2024
Tuesday Feb 13, 2024
On this episode of Voices of Self Funding, Ramesh hosted Michael Schroeder, the legal luminary-turned-maverick CEO of Roundstone. A lawyer by training, Mike has been on the frontlines, advocating for captives and unveiling the nuances within this captivating world of captives.
Ramesh sat down with Mike to gain an understanding of the current state of the captive market, the market’s path to maturity, the components of a captive, and how to evaluate the different types. We also gained a sneak peek into some of the challenges on the horizon for captives within the realm of self-insurance.
This episode was sponsored by Valenz Health. For more information on captives or other topics related to the self-funding industry, please visit HCAA.org.

Tuesday Jan 16, 2024
Tuesday Jan 16, 2024
In our latest episode, we're thrilled to host Dr. Jerry Beinhauer, a clinician turned innovator and the brains behind Apaly Health. Join us as we unravel the mysteries of Direct Primary Care (DPC) arrangements including how to improve access, mitigate employee population risks, uncover the metrics that matter, and slash costs for ER and specialist visits.
This episode was sponsored by Valenz Health. For more information on Direct Primary Care or other topics related to the self-funding industry, please visit HCAA.org.

Thursday Dec 21, 2023
Episode #26 Diving Deep into Musculoskeletal Programs: Is There a Scalable Model?
Thursday Dec 21, 2023
Thursday Dec 21, 2023
Prepare yourself for a transformative exploration as we delve into the critical realm of Musculoskeletal (MSK) programs. In this eye-opening discussion, long-time orthopedic surgeon, Dr. Steven Schutzer examines the exorbitant costs associated with unnecessary surgeries and how self-funded employers could scale models to tackle the MSK issue head on. We talked about how Virtual Diagnosis could be the game-changer we've been waiting for, and how advanced data analytics platforms are helping to identify members for targeted interventions. Tune in now to hear about the intricacies of MSK programs and learn strategies to improve your benefits program.
This episode was sponsored by Ikigai Growth Partners. For more information on MSK programs or other topics related to the self-funding industry, please visit HCAA.org.