About Us
We have extensive health actuarial experience based on decades of working in health care companies. We’re passionate about sharing our experience and expertise with our clients.
Keith Passwater
Founder and CEO
Keith is former Senior Vice President and Chief Actuary of Anthem (Elevance). After consulting with clients in need of risk solutions, Keith founded Havarti Risk to bring better risk products and services to healthcare clients. Keith currently serves as an Advisor to Aegle Health Partners, Ellipsis Health, Ilant Health, MediDrive, and MOBE. In addition, he is a Fellow of the Society of Actuaries, a member of the American Academy of Actuaries, and serves as Chair of the General Committee of the Actuarial Standards Board.
Tamre Pinner
Chief Operating Officer
Tamre Pinner has extensive start-up experience as part of firms such as Springbuk, as well as Glassboard where she served as Director of Operations. Tamre is intensely process focused, allowing organizations she leads to rapidly scale offerings.
Clem Foltz
Chief Actuary
Clem previously worked on the Optum Health national actuarial team. Clem has experience across healthcare including value-based care arrangements, cost of care analysis and strategy, and financial forecasting.
Clem is a Fellow of the Society of Actuaries and a member of the American Academy of Actuaries.