David Cook exemplifies health plan excellence and stewardship.
Rosie Award winners are chosen from plans recommended by benefits advisors, solution providers, or clinical leaders who meet two important criteria: a high Plan GraderTM score and excellent use of their Health Rosetta Dividend.
The Plan Grader™ is the first comprehensive independent plan assessment to measure and improve your health plan strategy. Plan Grader is an independent 360° health plan risk assessment that provides actionable insights to create an effective 2-3 year strategy to lower costs and improve benefits. Plan Grader is built on the Health Rosetta’s eight components that have been modeled on the successes of hundreds of high-performance plans. Employers and unions can evaluate how their health plan benchmarks to other employers or union plans adopting a Health Rosetta-style health plan. Reach out to David Cook to get your Plan Grade today.
Health Rosetta Dividend refers to the well-documented over $1 trillion of industry waste that can be reinvested back into an organization or community to improve wellbeing and build the foundation to restore the American Dream. Examples of Health Rosetta Dividend reinvestment include free college education, advanced primary care services, free or subsidize healthy food, pay increases, Dream Manager, $0 medications, or other tangible improvements that have a direct impact on the health and wellbeing of their workforce, dependents, and communities.

David Cook
AdvisorFinancial Partners
david@fp-healthinsurance.com
940.322.6277
Health Rosetta Advisor since 2024
David has worked extensively in the telecommunications industry as well as the marketing and advertising field but transitioned into insurance in 2016. He is a licensed life and health insurance agent focusing on both individual and group clients with a passion for helping businesses find financial balance and security in an ever-changing economic environment.
Hospice of Wichita Falls has fully embraced the free market healthcare movement and actively participates in community outreach programs to further educate our area on the value of self-funding and cost control measures. The CFO, Derek Francis, frequently presents at industry events, sharing their case study and success story.
- Industry: Not-for-profit end-of-life healthcare services
- # of Employees: 216
- Location: Texas
Hospice of Wichita Falls has used the savings that have resulted from implementing this high-performing health plan by covering 100% of the DPC membership costs for all plan members, including dependents.
- TPA: The Kempton Group Administrators
- PBM: Liviniti (Formerly Southern Scripts)
- Stoploss: Liberty Insurance
- PrimaryCare: Stratos DPC
- Individual Stewardship: Kempton Premier Providers (Kpp Free Program)
- Other Solutions: Fiduciary Risk Management; The Phia Group, Llc; Financial Partners; Payer Compass; Fiduciary Health Solutions


This group immediately embraced the direct agreements/zero cost benefits that we were able to introduce with their new plan. Virtually all members had no issues and little reluctance to possibly go a little bit "out of their way" to utilize providers that embodied the free market healthcare movement. They quickly took advantage of these improved benefits and adopted ownership of their plan.
- Industry: Offices & Automotive Dealers
- # of Employees: 96
- Location: Texas
The employer has expressed interest in using the savings as a vehicle to drive down the employee cost share at renewal and to allow families to join the plan at a more cost-effective level.
- TPA: The The Kempton Group Administrators
- PBM: Liviniti (Formerly Southern Scripts)
- Stoploss: Skyward Specialty Insurance
- PrimaryCare: N/A
- Individual Stewardship: Kempton Premier Providers (Kpp Free Program)
- Other Solutions: Fiduciary Risk Management; The Phia Group, Llc; Financial Partners; Payer Compass; Fiduciary Health Solutions
