Started career in a employee benefits rotational program with Aetna (pension and health). Consultant with Towers Perrin and Mercer in NYC. Partner with C.M. Smith, now Alera Group for over 25 years. Advisor to mid-sized self-funded clients. Served on adviosry councils and board of directors for local VNA.

Inspired by the spirit of Rocky, the ultimate underdog, Ray Kober leads Benefixa to champion organizations in their fight to control healthcare costs while enhancing employee well-being. With over two decades of specialized experience as an employee benefits consultant, Ray transforms the way companies manage employee healthcare, often saving them millions. By conducting real-world assessments […]

Employee benefits consultant with a MPH in health policy, law, and program management and 4+ years of benefits experience. I am most interested in increasing accessibility and availability of care, reducing disparities in health insurance literacy, and facilitating health care systems reform.

“The CEO’s Guide to Restoring the American Dream” has profoundly renewed my faith in the potential of American healthcare. This dream, cherished by our native and immigrant ancestors, is increasingly at risk due to the challenges posed by our current healthcare system. Dave’s books are essential resources, empowering individuals to become champions of their own […]