Steve Kelly

Steve Kelly is the co-founder and CEO of ELAP Services, a leading healthcare solution for self-funded employers based in Wayne, PA.

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6 Tips for Reference-Based Pricing

Steve Kelly

Many self-funded employers are implementing this alternative to PPOs and reaping a quick 30% saving on health insurance.

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Myths on Reference-Based Pricing

Steve Kelly

The positives from reference-based pricing are undeniable: Businesses typically save up to 30% off their total healthcare spending.

Six Things

What Insurance Can (and Should) Be

By Paul Carroll

Beginning as an agency offering insurance for classic wooden boats, Hagerty has become a behemoth that offers lessons for other agencies and carriers.

The Infrastructure Time Bomb

Legacy infrastructure systems face critical tolerance thresholds as climate change and urbanization exceed original design parameters.

How to Build an Insurance Innovation Culture

Insurance companies must shift from innovation rhetoric to structural accountability, engaging all employees rather than isolated innovation teams.

A New Path for Insurance Transformation

AI can transform trust from an abstract idea into measurable, actionable frameworks—reshaping customer relationships and redefining the future of insurance.