Dave Kalb


With over 25 years of managed care reinsurance experience, Dave Kalb has witnessed firsthand the dynamic changes in the health care marketplace. He has worked with more than 100 health care companies through the years, making his experience broad and deep.

As a Principal at Dubraski & Associates, Dave assists in the growth of our health care practice. He works with health care companies to manage their insurance, reinsurance and risk management needs.

Prior Experience

Dave began his career on the actuarial and underwriting side of the business, having underwriting responsibility for several of the largest managed care reinsurance companies, including Allianz (now HCC), Lincoln and ING Re (now RGA).

Dave had significant involvement in working with commercial health plans in a partnership capacity, providing solutions beyond reinsurance. He assisted health plans in expanding their product portfolio by adding POS and PPO options where they did not have the appropriate license, helping to design the strategy to move them into the ASO marketplace and even adding ancillary products such as life and dental insurance to their product offering.

Dave also had underwriting responsibilities for a large block of employer stop loss reinsurance business written through health plans which serves him well when assisting Health Plans looking to grow in this market segment. As the government looked to the private sector to assist in managing the Medicare and Medicaid budgets, Dave was very involved with numerous startup health plans, assisting with their reinsurance needs. He also created unique catastrophic risk management strategies to them to help reduce overall costs.

In 2001, Dave moved to the brokerage side of the business, and has been there since. Today we are extremely involved with the Medicare and Medicaid Health Plans as well as ACO’s, Cooperatives, Bundled payments, Capitated providers and the multitude of other risk arrangements. With Dave’s financial background he is uniquely positioned to assist his clients in these very dynamic times whether that is to manage their capital and surplus or design other risk mitigation strategies.

Education & Involvement

  • Dave earned his BBA in Actuarial Science from the University of Wisconsin