David Ross is the Executive Vice President & Director of Underwriting Services for Hays Companies. David's primary responsibilities include the development and maintenance of financial tools and methodologies that improve clients' ability to effectively manage their employer-sponsored health plans. David's role keeps him actively involved in the management of key accounts, representing over 300,000 members. Additionally, David acts as a National resource and the primary source of both internaland external education and support regarding efficient health plan structure.