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Paul Hammond

Senior Healthcare Consultant

Paul started his career at Marine Midland Bank/HSBC Bank in 1990, where he spent time in three different areas of the bank over a five year span. He worked in the Automotive Finance Department, the Education Loan Department as an accountant, and the Commercial Underwriting Department as a credit analyst. 


In 1995, Paul joined Independent Health as a Financial Analyst and became Manager of Group Underwriting in 1999. In this role, Paul reviewed all experience rated accounts that were underwritten by Independent Health, totaling over $250 million in annual premiums. He was instrumental in the development and application of the rating models and factors currently used to determine new and renewal group healthcare premiums. Paul led the Underwriting department from 1999 to 2014 when he left to become a Senior Healthcare Consultant at The Walsh Group, now Aebly & Associates, Inc. 


Paul has a diversified background that includes experience rate development– utilizing in-depth analysis techniques and models, self-insurance/stop loss, alternative funding mechanisms, and dealings with various regulatory areas of the New York State Department of Financial Services. He received a B.S. in Finance and MBA from Canisius College.