ELAP Services

ELAP Services (ELAP) specializes in reducing health insurance costs for mid-size businesses. The company collaborates with employers to design self-insured health plans and establish limits for payment of medical claims that are based upon health providers’ cost of services. Since its founding in 2003, ELAP has substantially impacted health cost savings for its clients. ELAP chose to partner with Water Street in 2016 to support its goal of expanding its services and making a greater impact on behalf of its clients.

Steve Kelly


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Steve Kelly is the co-founder and CEO of ELAP Services. Founded in 2003, ELAP’s innovative approach to bring rationality to the price of health services anticipated the future of healthcare years ahead of current healthcare reform initiatives. Steve is a recognized expert in the insurance, employee benefits and risk management industry, possessing more than 30 years of experience in solving clients’ healthcare challenges. Since the formation of ELAP, Steve has helped hundreds of employers increase their profits by empowering them to take control of their healthcare cost using ELAP’s groundbreaking approach.