In an industry as complex and dynamic as healthcare, the expertise and leadership behind an organization can make all the difference. Humbi AI was founded by a team of visionary health actuaries, data scientists, and health technology experts, all driven by a shared purpose: to assist healthcare organizations—primarily payers, providers, and pharmaceutical companies —in identifying opportunities and managing risk effectively. Let’s go behind the scenes to meet the people who make Humbi AI what it is today.
The Visionaries: Founders & Senior Leaders
At the helm of Humbi AI are individuals with a wealth of experience and a passion for innovation. Their collective knowledge spans multiple disciplines and decades, allowing them to offer unparalleled actuarial intelligence and healthcare data analysis. Let’s meet some of these key figures.
Puneet Budhiraja, Founder and Actuary
Puneet Budhiraja is not just an actuary; he’s a pioneer in the integration of AI with healthcare analytics. With a solid, 18-year background in the insurance and consulting industries, Puneet has honed his skills in Pricing Strategy, Medicare Supplement, Medicare Advantage, ACA, Value-Based Initiatives, and Machine Learning Models. As Humbi AI’s Chief Actuary, he brings an AI-driven approach to healthcare actuarial consulting, making complex data and advanced analytics accessible and valuable to clients. Puneet’s ability to translate the brilliant work of Humbi AI’s data scientists and healthcare actuaries into actionable insights is one of the core reasons why Humbi AI is trusted by leading healthcare organizations.
Andy Large, VP, Actuary, and Founder
Andy Large joined Humbi AI after an impressive 17-year career as an actuary, during which he worked for some of the most prestigious actuarial firms in the healthcare space. Andy’s expertise lies in bridging the gap between data experts and stakeholders. He has an uncanny ability to distill highly complex data into the most relevant, actionable information that clients need to drive their business forward. His instinct for client-focused solutions makes him an invaluable part of the Humbi AI leadership team.
Jeff Ulibarri, Medical Economist
With a decade of experience as a medical economist on the payer side, Jeff Ulibarri brings a unique perspective to Humbi AI. His deep Medicare Advantage experience and diverse skill set enable him to wear multiple hats, from data analysis to client relations. Jeff’s keen focus on helping customers find the right answers and access the data they need ensures that Humbi AI’s clients are always equipped with the insights necessary to make informed decisions.
Sunil Cardozo, Sales & Strategy
Sunil began his career in the healthcare space in 2007 as a data analyst. In a long and varied career, he has directed operations for hospitals, managed physician groups, and served in a variety of executive roles at different firms, including VP of Operations, CIO, COO, and more. In his work at Humbi, Sunil focuses on sales and strategy, helping the company develop new customer relationships. Before joining Humbi, Sunil teamed up with Humbi co-founder, Puneet Budhiraja, at a startup firm where they leveraged Puneet’s unique data sets to recruit physicians for a new CMS contact. “Humbi truly embraces the idea of collaborative partnerships. That’s one of the things that impressed me about Puneet’s approach to begin with, and continues to inspire me today,” Mr. Cardozo says.
Beyond Actuarial Expertise: A Multidisciplinary Approach
What sets Humbi AI apart is not just the expertise of its leaders, but the multidisciplinary approach they foster within the organization. While Humbi AI’s core strength lies in actuarial intelligence, the team is committed to delivering comprehensive business solutions that incorporate knowledge and skills from medical science, social science, and technology. This holistic approach enables Humbi AI to address the complex challenges faced by healthcare organizations today.
Healthcare Data Analysts with a Human Touch: In today’s data-driven world, the role of healthcare data analysts is more crucial than ever. At Humbi AI, data analysts work closely with actuaries and other experts to provide a seamless integration of data and analytics. But what truly sets them apart is their focus on humanizing business intelligence. They understand that behind every piece of data is a human being who needs to access and use that data effectively. This customer-centric focus is embedded in every aspect of Humbi AI’s operations, ensuring that clients receive not just data, but insights that are relevant and actionable.
Actuarial Intelligence that Drives Results: Actuarial intelligence at Humbi AI goes beyond traditional risk assessment. By leveraging advanced healthcare analytics, the team is able to provide clients with predictive models that offer a deeper understanding of their business challenges. Whether it’s optimizing pricing strategies, evaluating value-based initiatives, or navigating the complexities of Medicare Advantage, Humbi AI’s actuarial intelligence is designed to drive results.
The Humbi AI Advantage: Collaboration and Innovation
Humbi AI’s success is rooted in its commitment to collaboration and innovation. The leadership team understands that in order to stay ahead in a rapidly changing healthcare landscape, continuous innovation is key. But innovation at Humbi AI is never for its own sake. It is always guided by the real-world needs of clients, ensuring that every new tool, model, or strategy is practical and impactful.
Creating Value Through Collaboration: Humbi AI believes that the best solutions come from working closely with clients. This collaborative approach allows the team to tailor their services to the specific needs of each organization. Whether it’s through regular consultations, customized data reports, or ongoing support, Humbi AI ensures that clients are fully equipped to tackle their most pressing challenges.
Innovation with a Purpose: In an industry where change is constant, Humbi AI’s ability to innovate quickly and effectively is a major asset. For example, as the Medicare Shared Savings Program (MSSP) evolves, Humbi AI is already preparing for upcoming changes by enhancing its tools to track provider performance within Accountable Care Organizations (ACOs). This proactive approach allows clients to stay ahead of the curve and make informed decisions that improve health outcomes and manage costs.