We are the leader in reference-based pricing

ELAP was founded on a simple, yet revolutionary idea

People should pay a fair, reasonable price for quality healthcare. To achieve our mission, we developed reference-based pricing, a proven approach that has helped hundreds of companies save millions on healthcare. More than 12 years later, we’re the leading reference-based pricing solution in the healthcare industry.

The first of its kind

Our co-founders pioneered reference-based pricing in 2007 and we’ve been leading the way ever since.

A decade of results

We’ve been helping companies and their employees improve access to affordable care longer than anyone. Download our 10-year Report for the full story.

Healthcare innovator

We continue to improve the model by strengthening our solution, integrating new services and adding new partners.

Industry-leading advocacy

Our member advocates work to promote a system that is fair and equitable. We stand shoulder to shoulder with our clients and their employees.

Top in customer satisfaction

Our Net Promoter Score (NPS) demonstrates our commitment to customer service with a world-class ranking of 78, an excellent rating that puts us as one of the the best in any industry.

Meet the leadership team

ELAP is led by a team of seasoned healthcare professionals who understand how to make healthcare work for everyone.

Steve Kelly

Co-Founder & CEO

Steve Kelly

Co-Founder & CEO

Steve is a recognized expert and frequently called-upon public speaker in the insurance, employee benefits and risk management industry, and has dedicated his career to solving his clients’ complex healthcare challenges. Steve co-founded ELAP Services to address the national issue of employers being overburdened by skyrocketing healthcare costs and lack of representation in the ongoing healthcare debate. He has been featured on multiple local and national media outlets including NPR, The New York Times, Newsweek, Fox Business and Money magazine. He is active in several community organizations in the Greater Philadelphia Area. Most recently, Steve was recognized as a winner of the 2019 EY Entrepreneur of the Year Award in Greater Philadelphia and was named a national finalist in the Financial Services category.

Woody Waters

Co-Founder

Woody Waters

Co-Founder

Woody’s expertise in healthcare, insurance and risk management fuels his passion for out-in-the-field consulting with employers and health plan administrators across the country. His experience includes almost a decade of property and casualty insurance at a Top-20 brokerage and designation as a Chartered Property/Casualty Underwriter (CPCU). Woody is a proud Georgian who earned his BBA in Risk Management & Insurance and his MBA in Marketing from the University of Georgia.

Jeff Bak

President

Jeff Bak

President

Jeff has 30 years of experience in managing and growing healthcare services companies. Most recently, Jeff served as global practice leader of the Health, Life Sciences and BPO division for Wipro Limited, and as president and CEO of Florida-based HealthPlan Holdings (HPH). Before being acquired by Wipro in 2016, HPH was a leading diversified healthcare solutions business serving payers, self-funded employers, unions, small businesses and individuals through its subsidiary companies HealthPlan Services (HPS), Zenith American Solutions (ZAS), Harrington Health (HH) and Montgomery Management (MMC). The company employed over 3,000 associates and administered in excess of 5 million members, growing tenfold between 2001-2016 and was owned by Water Street Health Partners (2008-16), ELAP’s current private equity financial sponsor. Jeff holds his BS in Business from Clemson, and continued education from the Wharton School of Business (University of Pennsylvania) and the Kellogg School of Business (Northwestern).

Tom Wittick

SVP, Growth

Tom Wittick

SVP, Growth

As SVP of Growth, Tom drives ELAP’s national sales team and client growth strategy. He has a broad range of sales expertise in the health and disability insurance market, with more than 30 years of experience that includes SleepMed Inc., Aetna/ActiveHealth and CIGNA Intracorp. While at SleepMed, a Florida-based sleep diagnostic and health improvement company, Tom collaborated on the creation of one of the nation’s first mandated, public sector, sleep health safety programs. Tom leverages his successes in account team development, consultant marketing, population health communications, strategies and value-based insurance design in his leadership of ELAP sales.

Giving back

ELAP has a long history of giving back.

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