Dennis Kelly, Author at Insurance Thought Leadership



Dennis Kelly

Dennis Kelly

Dennis Kelly is a businessman and pioneer in the development of health care finance strategies and health insurance programs. Transformation and transparency powered by a disciplined approach to the science of incentives, these relationship strategies motivate consumers to personally steward the cost and risk of health care. 

Health care access, control and choices have become too costly, overly constrained and thus depreciating benefit value. However, focused on helping people transform relationships that steward assets, Dennis aligns the power of incentives with financial protection. Health plans which give participants the authority to choose their own health care providers, without “gatekeepers” or the government interfering with those decisions. 

As an advisor to Members of Congress and Washington think tanks, he has helped establish the rationale and supporting statistical data demonstrating the advantage of Medical Savings Accounts (MSAs), Health Savings Accounts (HSA), Health Reimbursement Arrangements (HRA), Association Health Plans (AHP), High Deductible Health Plans (HDHP) and Flexible medical spending accounts (FSA). Dennis played a role with such individuals as Steve Forbes, in the 1996 Kennedy/Kassebaum legislation.

Dennis has developed uncommon insight into both the desirable and undesirable elements of the Patient Protection and Affordable Care Act (P-PACA). The current legislation is complex, under development and evolving daily. With over 3,000 pages of legislation and “Interim Final” regulations, some businesses will win, some will lose, most will pay more and many will change the current practice of providing employee benefits. There will be significant changes mandated in both health care and health insurance. Insurer premiums and taxes will be the means by which consumers keep score over the next 18 to 60 months.

Some overriding principles that are part of employers’ plans today should be anchored. Other aspects that are intended for political objectives should be monitored to access impact. Dennis’ knowledge and experience provides stability to insurers, employers, brokers, administrators and consultants as it relates to the chaos of HMO’s and P-PACA “Interim Final” regulations. There are strategies to adopt now, that will lower a consumer’s cost today and in the future. Allowances for P-PACA motivations will be part of most planning into the future and strategies for managing these incentives and lower costs programs. 

His career began as a nuclear mechanical engineer.  In 1984 his son Sean was born deaf.  His career shifted to financial services by a desire to have time to be with his wife Caroline and son. Dennis holds a bachelor’s degree in mechanical engineering from Worcester Polytechnic Institute and the designation of Chartered Life Underwriter (CLU) from the American College.

Dennis is committed to business process and marketing strategies on an international level. He and Caroline currently reside in Rockville, MD. Their two grown children are Erin and Sean and their daughter-in-law is Parker.

Recent Articles by Dennis Kelly

How To Make Healthcare Affordable

Employers and employees need to be held accountable for not being realistic in their expectations of the healthcare system or in their obligation to participate in various responsibilities of it. Employers, employees and their families should cooperatively plan their finances to avoid heartbreaking disasters that can result from Life-Altering and Major Incidents. The monthly cost […]

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