Kelly Fristoe exemplifies health plan excellence and stewardship.

Health Rosetta recognizes the top health plans in America at the annual Rosie Awards. The Rosie Awards recognize high-value, low-cost health plans from employers and unions across the U.S.

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 Kelly Fristoe 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.

Kelly Fristoe Rosie

Kelly Fristoe


Financial Partners

Health Rosetta Advisor since 2020

Kelly Fristoe, president of Financial Partners in Wichita Falls, Texas, has focused his work on the health insurance and employee benefit markets since 1990. Kelly is frequently interviewed by national publications because of his expertise in prudent use of consumer health benefits. An executive board member of the National Association of Health Underwriters, Kelly has been active in that organization throughout his career. He has received numerous awards and accolades for his healthcare policy legislative work at both the state and federal level. Kelly also serves as a board member for United Regional Hospital.

  • Industry: Not-for-profit end-of-life healthcare services
  • # of Employees: 230
  • Location: Texas

Hospice of Wichita Falls has used their dividend to lower employees’ deductibles and out-of-pocket maximums well as increase employee wages.

  • TPA: The Kempton Group
  • PBM: Liviniti (Southern Scripts)
  • Stoploss: Skyward
  • PrimaryCare: Stratos DPC
  • Individual Stewardship: The Kempton Group
  • Other Solutions: Employee Education Team - Financial Partners
Rosie Awards Winner Sticker