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Company Overview

TPAC Underwriters, Inc. is a Managing General Underwriting firm located in Minneapolis, Minnesota. In business since 1991, TPAC works to protect employer’s self-funded plans by providing reliable and creative stop-loss solutions such as Spaggregate®, Specific, Aggregate and SmartShare® through Third-Party Administrators and fully-funded capitated drug card programs. With nearly 30 years in business, we take pride in finding original solutions to the problems our partners face.

TPAC believes in cultivating partnerships and focusing on the success of all involved parties. Our Partnership Philosophy is the starting point for these relationships, and our Renewal Philosophy enables us to assure our partners that working with TPAC is something special. But don’t take our word for it—hear from some of our most valued partners.

Meet TPAC’s Leadership Team

Mike Meloch



Michael Meloch has led TPAC through a period of dramatic growth and consistent profitability as President and now as CEO. Read MoreHe is currently responsible for product design, development and corporate strategy for the company. Prior to TPAC, Mike served in a variety of actuarial underwriting positions with MGUs and regional insurance companies. A graduate of Bethel University with a degree in Mathematics Mike and his wife Karin live in the Minneapolis area with their four children. Mike has coached a variety of youth sports, volunteers at his local church and has served on various local and national boards.

John Nelson



John Nelson serves as TPAC’s president, holding overall responsibility for the company and its operations. Read MoreWith over 30 years in the healthcare insurance industry, John’s experience with employer stop loss coverage provides expert insight from a variety of perspectives. Before joining TPAC, John held positions in several different parts of the industry. A proud graduate of the University of Minnesota, John lives with his wife Gail in Rosemount, MN. He volunteers at his local church and has served in his community through coaching youth sports and sitting on a variety of local boards.

Ryan Newville

VP of Underwriting


Ryan Newville has helped TPAC achieve consistent growth while aiding employers in transitioning to self-funding and staying self-funded. Read MoreIn his role as Vice President of Underwriting, Ryan oversees the underwriting, pricing and marketing segments of TPAC. His experience extends to several areas, such as portfolio management, PPO analysis, data analysis including loss ratio projections, and product development. A proud father of 3 children, Ryan enjoys attending track and cross-country meets, volleyball, baseball, and soccer games, watching movies, playing video games, and cooking with them. He is involved with his church and is an active supporter of its global partners.

Andy Niemi

VP of Operations


Andy Niemi has held a variety of positions within finance and operations at TPAC, now serving as Vice President of Operations. Read MoreSince joining the company in 1999, Andy has managed an organization that has grown from $6M in annualized premium to over $80M. He started his career at Prudential Insurance Company and spent a few years working for a sister company, Risk Solution Resources. Andy, his wife Carissa, and their two children live in Shoreview. A graduate of Northern Michigan University, he also serves on the board of Arise Ministries, a local non-profit that ministers to at-risk teens.


Partnership Philosophy

TPAC’s success can be largely attributed to the fact that we work with a limited number of high-quality partners. TPAC’s creativity, experience, and strong partnerships allow flexibility to create unique stop-loss solutions for customized self-funded plans. With that flexibility there is a high demand for partners with expert administrative abilities. We believe that quality service will be delivered through strong relationships with our TPAs, brokers, and health plan partners. TPAC partners with companies—and, more importantly, with people—we trust, who are creative and help employers build and maintain health plans that members love.

Renewal Philosophy

At TPAC we do renewals a little differently than other MGUs. A renewal is much more than math. We understand that every relationship (TPA, broker, health plan, employer, and more) is unique! We certainly do analyze the claims and do a little math, but this is just part of the story. Every renewal is discussed with a team of underwriters and aside from the claims experience we consider the impact on the partnerships and the impact the partnerships are making on controlling the costs of each self-funded plan.

Our partners have direct access to our underwriters. This is invaluable as the underwriters are the decision makers and will help to explain the renewal decision. Additionally, our partners work together with our underwriters to solve problems, implement new ideas, and even lower rates! Our underwriters and our partners share the same goal of providing a competitive renewal with the protection that each self-funded plan needs.

We understand that our decisions affect the relationships of our partners and sometimes a renewal increase is larger than we all would hope. In these scenarios the value of strong partnerships is amplified. TPAC Underwriters does not force lasers on its renewals and will not issue a renewal greater than 99% with our preferred partners. We work hard to collaborate with all of our partners to provide creative and cost-effective solutions for all of our self-funded plans.


Trustworthy and Transparent

“Trust and Transparency are vital to what we do at TPAC. My favorite part of the entire job is growing relationships and getting to know people—not just at work but outside of work.” – Jacob Fast, Underwriter, TPAC