Voices of Self Funding

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Jun 2026

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About the show

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.

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51 recent

June 15, 2026Episode 5129 min

Episode 47 How AI Agents are Transforming Payment Integrity

In this episode of Voices of Self-Funding, host Tom Testa sits down with Angel Onuoha, co-founder and CEO of Avelis Health, for a deep dive into how AI agents are reshaping payment integrity, claims auditing, and healthcare cost management. Inspired by his own experience navigating inflated medical bills after multiple knee surgeries, Angel set out to tackle one of healthcare’s biggest hidden problems: payment errors and billing complexity. The conversation explores how Avelis is using AI agents to transform summary plan documents into auditable claim rules, identify overpayments in real time, and even deploy voice AI to communicate directly with providers about denied or recouped claims. Angel also unpacks why generic large language models can be dangerous in healthcare workflows, the importance of explainability and auditability in AI systems, and how organizations must rethink PHI security, access controls, and trust when deploying AI at scale. Angel shares his perspective on why today’s payment integrity ecosystem suffers from misaligned incentives — and why AI may finally give TPAs and self-funded employers the tools to proactively reduce waste without adding administrative burden. If you want to understand where AI in healthcare is moving beyond hype and into real operational impact, this is a conversation you won’t want to miss. This episode is sponsored by zakipoint Health.

April 29, 2026Episode 5042 min

Episode 46 Secrets of saving and delivering a good healthcare experience on a self-funded plan

Are you tired of the "lazy way" to cut healthcare costs—just increasing deductibles and co-pays? In this episode, we’re talking to someone who calls that approach what it is: the definition of insanity. Host Ramesh Kumar welcomes Adam V. Russo, Esq.—co-founder and visionary of The Phia Group, LLC, an innovative cost containment leader and attorney who represents employers and plan fiduciaries across the U.S. Adam is here to break down the secrets of delivering a great healthcare experience on a self-funded plan. You'll learn: Why Direct Primary Care (DPC) is being called the "best" plan design choice for both employee retention and health, with studies showing a 13% reduction in overall claim spend in the first year. How Adam's company, a successful self-funded employer, leveraged DPC to personally circumvent a $6,000 to $10,000 ER bill for just $80 a month. The critical need for a complete employee mindset shift and a five-year education plan to truly win at cost management. Don’t miss this powerful conversation on why increasing cost-sharing measures has failed, and how DPC offers a path to long-term success. Tune in now! This episode is sponsored by zakipoint Health.

April 21, 2026Episode 4931 min

Episode 45 How do you really motivate a broker to work with the TPA?

In this episode of "Voices of Self-Funding," host Ramesh Kumar sits down with Trey Hinson, Founder of Goliath Sales Strategies and a seasoned marketing and sales leader with over 24 years in the healthcare benefits space. Trey unpacks what authentic, research-driven sales and marketing look like in today’s self-funded ecosystem. You’ll learn: Why modern brokers are demanding measurable outcomes, value-aligned proof, and a disciplined ICP strategy—and how carriers and TPAs can better meet those expectations. The shift from feature-centric pitching to case-study-backed storytelling. The importance of rep enablement for building a sales system that scales sustainably. This is a must-listen conversation for anyone looking to strengthen broker relationships, improve retention, and build sales systems that last. Tune in now! This episode is sponsored by zakipoint Health.

March 27, 2026Episode 4832 min

Episode 44 How stop loss carriers are looking at small group funding, and how has this changed

In this episode of "Voices of Self-Funding," host Ramesh Kumar welcomes Jonathan Socko, President of East Coast Underwriters, LLC, a Managing General Underwriter (MGU) specializing in Stop Loss insurance. Jonathan shares his perspective on stop-loss underwriting for small groups and unveils the blueprint for a remarkable success story: a 30-life employer group that has been successfully self-funded for 10 years with their PMPM costs increasing only 10% over that decade. You'll learn: - The crucial role of partner cohesion between the broker, TPA, and stop-loss carrier to manage claims proactively. - Why data transparency and a specific data flow are non-negotiable for effective claim prediction and management. - The essential mindset shift—and commitment to aggressively attacking costs—that ensures a small group’s self-funded plan remains successful and sustainable. Don't miss this conversation for an insider's view on stop-loss and the strategy that delivers long-term savings. This podcast is sponosred by zakipoint Health.

February 20, 2026Episode 4727 min

Episode 43 From HR Leader to Healthcare Reformer: Matt Ohrt on Employer Power and Free Market Medicine

In this episode of Voices of Self Funding, host Tom Testa sits down with Matt Ohrt, National Executive Director of the Free Market Medical Association (FMMA), to explore how employers can take back control of healthcare costs and quality through free market principles. Matt shares his personal journey – from a 25-year HR career and near-fatal accident to leading national reform movements like Self Fund Health, Rise Up Health, and Healthcare Best Practice Group. Together, they explore how self-funded employers can drive meaningful change by demanding transparency and value, the rise of direct primary and specialty care as cost-saving, patient-centered alternatives, and why breaking healthcare’s “monopoly mindset” is key to restoring competition, affordability, and trust – all while looking ahead to what’s next for self-funding and free market reform in 2026 and beyond. This episode is sponsored by zakipoint Health.

February 3, 2026Episode 4616 min

Voices of Executive Forum -- Mike Strong

In this preview episode of Voices of Self‑Funding, host Tom Testa sits down with Mike Strong, Director of Policy & Operations Strategy, Health Plan Cost Containment at Reliant Health Partners, to discuss his upcoming Executive Forum 2026 session: “Who Really Wins? Transforming the TPA Playbook for IDR.” Mike offers a candid look at how the Independent Dispute Resolution (IDR) process is evolving, why traditional arbitration strategies may no longer be enough, and what TPAs can do now to protect margins while strengthening payer‑provider relationships. Hear the full session live at Executive Forum 2026 — register now and be part of the industry’s most important conversations.

January 20, 2026Episode 4518 min

Voices of Executive Forum 2026 — Hermine Tranie & Alex Andrei

In this preview episode of Voices of Self-Funding, host Tom Testa sits down with ClarityCare AI co-founders Hermine Tranie and Alex Andrei to discuss their groundbreaking Executive Forum 2026 session: “How to Actually Use AI: A Hands-On Mini-Hackathon for Self-Insured Leaders.” Unlike typical conference talks, this immersive 90-minute workshop invites attendees to roll up their sleeves and build with AI in real time. Hermine and Alex preview what to expect from the hackathon format, share how AI is already reshaping prior auth and utilization management, and explain why TPAs and self-funded employers need to stop talking about AI – and start using it. Don’t miss this unique opportunity to get practical with AI at Executive Forum 2026. Register now and secure your seat in the Ballroom.

January 15, 2026Episode 4418 min

Voices of Executive Forum 2026 – Mike Abrashoff

In this special episode of Voices of Self-Funding, host Tom Testa sits down with Executive Forum 2026 keynote speaker Mike Abrashoff, former Commander of the USS Benfold and best-selling author of It’s Your Ship. Hear how Abrashoff turned the Navy’s lowest-performing ship into the top-ranked vessel in just one year – without changing a single crew member. In this quick preview, Mike shares lessons on leadership, culture, and accountability that apply far beyond the military and offers a taste of the powerful message he’ll bring to San Antonio this February. Catch the keynote session live at Executive Forum 2026 — register today to reserve your seat and join the industry’s most important conversations.

January 6, 2026Episode 4318 min

Voices of Executive Forum 2026 -- Ron Peck

In this special preview episode of Voices of Self Funding, co-host Tom Testa sits down with Ron Peck, Chief Legal Officer at The Phia Group, to discuss his highly anticipated session at Executive Forum 2026: “Fiduciary Gotchas and the Company You Keep.” From revenue-sharing arrangements to PBM contracts and vendor disclosures, Ron shares what TPAs need to know now as courts and regulators sharpen their focus on fiduciary responsibilities. With plaintiff attorneys getting more creative and DOL audits on the rise, this conversation is a must-listen for anyone looking to protect their business and stay compliant. Catch the full session live at Executive Forum 2026 — register today to reserve your seat and join the industry’s most important conversations.

December 18, 2025Episode 4226 min

Episode 42 AI in Action: Transforming Utilization Management, Prior Auth, and the Future of Self-Funding

In this episode of Voices of Self-Funding, host Tom Testa speaks with MIT-trained AI researcher and ClarityCare AI co-founder Hermine Tranie about how artificial intelligence is delivering measurable wins in utilization management (UM) and prior authorization (PA). Hermine explains how AI agents convert unstructured records into structured insights, drive real-time approvals at the point of care, and free up nurses for higher-value tasks – boosting accuracy, efficiency, and compliance. As a preview to her interactive “AI Mini-Hackathon” session at HCAA’s 2026 Executive Forum, Hermine shares a practical roadmap for adoption and what TPAs and self-funded employers can do today to start seeing ROI. Click here to register.