In his role as President, ClearFile Solutions at Penstock Group, Joe works directly with health plans to streamline their Qualified Health Plan (QHP) filing processes to ensure filings are completed correctly and on time to eliminate missed deadline implications, state and federal fines, various compliance issues, by creating a seamless QHP member experience. He also leverages his knowledge of the QHP product to help health plans enter new markets and grow their QHP product lines. In addition, Joe will work closely with the Penstock RaaS team to develop new regulatory solutions that will alleviate the extensive filing and compliance burdens placed on plans.

Joe brings his years of QHP expertise from his roles at Aetna (CVS Health) and WellSense Health Plan (formerly Boston Medical Center HealthNet Plan) to the team. Most recently, as Director, ACA Federally Facilitated Marketplace Product Management at BMC/WellSense Health Plan, Joe was an invaluable contributor to the growth and development of their QHP product line. In his role he was responsible for managing all submissions and state relationships to ensure certification was achieved. Additionally, he has expertise in the areas of deductible over accumulation, pharmacy eligibility remediation and benefit optimization, state and federal audits, and QHP product strategy and development.

Previously, at Aetna, Joe honed his QHP expertise while managing Federally Facilitated Marketplace processes and requirements for over 20 exchange markets – expanding market share and growing Aetna’s QHP line of business.

Joe is a subject matter expert staying ahead of the ever-changing regulatory filing environment to educate his clients and assist them in the evaluation and implementation of various state and federal regulatory measures.