About Us

Your Medicare Choices Made Easy

Our Story

Retiree Health Choices (RHC) was founded in 2010 by a group of health insurance professionals familiar with the intricacies of the Medicare market. Knowing the complexity of the sector and the confusion surrounding Medicare decisions, we began developing online products and services to meet growing consumer demand for better Medicare decision-making tools.

Our Team

RHC’s founders include professionals with many years of combined experience in Medicare, health insurance, actuarial science, employee retirement benefits, information technology and strategic marketing.


Dale Yamamoto — President, Founder
Dale has more than 35 years of actuarial experience, including 16 years at Hewitt Associates, many of them serving as Head Health Care Actuary. As a nationally recognized authority on retiree health and Medicare issues, Dale has testified before Congress frequently on both topics. He literally “wrote the book” on retiree healthcare, Fundamentals of Retiree Group Benefits. He holds leadership positions in all of the major actuarial associations and currently serves as Chairman of the Joint Committee on Retiree Health of the American Academy of Actuaries.

Allen Steinberg, J.D. — Chief Legal Officer
Allen has been a practicing attorney and a consultant specializing in benefit plans for over 30 years, including 25 years as an attorney and partner with Hewitt Associates. Allen has provided employers with advice and support in the design and delivery of their employee benefit plans. He received his J.D. cum laude from Northwestern University Law School.

Ellen Glassman, Ph.D.— Digital Design Consultant, Founder
Ellen is a design professor and independent consultant specializing in digital design research, development and marketing. She has created innovative, consumer friendly products and services for private institutions and clients, and is experienced in social media and driving consumer engagement. She received her Ph.D. from Northwestern University, and is a licensed health and life insurance broker.

John W. Enyart — Information Technology Lead
John brings a wide spectrum of technology expertise to Retiree Health Choices as a retired professor of Management Information Systems and as a dynamic independent technology consultant for many public and private sector institutions and clients. John left academia in 1994 as an adjunct professor and Director of MBA Admissions at the Wharton School. In the same year he founded EAI, Inc., an applied technology company that specializes in the creation and deployment of complex information systems. He holds degrees from the University of Pennsylvania and the University of Pittsburgh in engineering, business and management information systems.

Advisory Board


Michael F. Seibold
Michael Seibold is the CEO of Seibold and Associates, a healthcare consulting firm headquartered in Tucson, Arizona that specializes in strategy, marketing and provider contracting. Michael was formerly President and Chief Operating Officer of Blue Cross and Blue Shield of Illinois and has served on an interim basis as Chief Marketing Officer at Premera Blue Cross of Washington and Alaska, Blue Cross and Blue Shield of Nebraska, Chief Marketing Officer at Excellus and Chief Health Care Officer at Excellus. He received his M.A. in public policy from the University of Chicago

Christina Nyquist

Christina Nyquist has spent more than twenty five years as a key government affairs advocate in every major healthcare reform policy debate from Clinton Reform to the most recent Repeal and Replace.  Most recently she was Vice President, Regulatory Affairs at Aetna as a key strategy partner with all business segments from National Accounts to Medicaid and Medicare.  Prior to Aetna, Christina was based in the D.C. Government Affairs Office of the Blue Cross Blue Shield Association.  At BCBS, she worked to develop and support breakthrough solutions involving comparative effectiveness, privacy, Accountable Care Organizations (ACOs), reinsurance and other aspects of healthcare reform.

Leemore Dafny
Leemore Dafny is a faculty member at the Kellogg School of Management, Northwestern University, where she is a Professor of Management and Strategy and the Herman Smith Research Professor in Hospital and Health Services. Her research examines competitive interactions among payers and providers of healthcare services. Leemore is a Research Associate of the National Bureau of Economic Research and a Board member of the American Society of Health Economists. Her work has been published in journals such as the American Economic Review and the New England Journal of Medicine, and featured in The New York Times, BusinessWeek, Bloomberg, and The Washington Post.

Brian D. Glassman — Founding Investor
Brian has spent more than 20 years working with Medicare-related markets. He is retired from active employment, and has helped Retiree Health Choices define its vision. Throughout his career Brian managed the Medicare Supplement book of business for Blue Cross and Blue Shield of Illinois, and worked for Towers, Prime Therapeutics and the Blue Cross and Blue Shield Association. As a consultant Brian worked with a number of companies on Medicare product and marketing strategies, including PacifiCare, Ovations Health, Blue Cross and Blue Shield of South Carolina and Blue Cross Blue and Blue Shield of Florida. He received his M.A. in public policy from the University of Chicago and his M.P.A. in Healthcare Financial Management from New York University.

Stephen Wood
Stephen Wood is Executive Vice President for Consulting and Development. He is a nationally recognized leader in managed care, Medicare and Medicaid, Accountable Care and strategic consulting in the health insurance industry. Mr. Wood has worked extensively with major health care financing and delivery issues such as the Accountable Care Act; Medicare payment reform and Medicaid expansion; Medicare Advantage and PDP program performance; Dual integration; payment for quality (Stars); risk adjustment, analytics and disease management programs. In 2009, Mr. Wood was named a “Top 25 Consultant” by Consulting Magazine for his leadership in helping clients navigate the government payer space. Most recently, Mr. Wood served as a Senior Vice President at Universal American Corporation where he led Corporate Development in vendor services and collaborative care partnerships. Prior to joining Universal American, Mr. Wood was a Senior Vice President and Partner at OptumInsight and a Managing Principal at Towers Watson where he held P/L responsibilities and led the highly successful Government Programs Practices. Mr. Wood holds a Master’s degree from the Harris School of Public Policy at the University of Chicago.