Title: Chelsea Ryckis, Founder and President Source: https://ethosbenefits.com/about/team/chelsea-ryckis Publisher: Ethos Benefits Summary: Chelsea Ryckis is founder and president of Ethos Benefits and BenefitsPRO's 2024 Advisor of the Year. She leads strategy and committee work for employers. 1. [Home](https://ethosbenefits.com/) 2. [About](https://ethosbenefits.com/about) 3. [Team](https://ethosbenefits.com/about/team) 4. Chelsea Ryckis # Chelsea Ryckis Founder and President CHVA [LinkedIn](https://www.linkedin.com/in/chelsea-ryckis-8508a192) Chelsea Ryckis is the founder and president of Ethos Benefits. BenefitsPRO named her its 2024 Advisor of the Year, and the YouPowered Symposium named her 2024 Most Innovative Healthcare Consultant. She leads plan strategy and benefits committee work for Ethos clients, and teaches other advisors how to run a health plan to a fiduciary standard. Chelsea grew up in Canada and came to the United States as a Division I athlete at Stetson University. A brain injury during her college sports career ended her plan to attend medical school and gave her a first look at American health care from the patient's side. She took one lesson from it: if something can be done better, it should be. She joined Donovan as a partner in 2017. Chelsea co-hosts the Business of Benefits podcast and produced the documentary "It's Not Personal, It's Just Healthcare." She speaks at SHRM, HR Florida, BenefitsPRO, ISCEBS and the Florida Alliance for Healthcare Value. She became an American citizen in 2024. ## Recognition - 2026 Advisor of the Year, Validation Institute Health Value Awards - 2024 Advisor of the Year, BenefitsPRO - 2024 Most Innovative Healthcare Consultant, YouPowered Symposium - 2020 Rising Star Award, BenefitsPRO ![Chelsea Ryckis, Founder and President at Ethos Benefits](https://ethosbenefits.com/assets/team/chelsea-ryckis.jpg) ## Chelsea on the stage. ### Engagements - Aug 2026 HR Florida: A Fiduciary Framework for Managing Employer Healthcare Programs Speaker - Jul 2026 IFEBP and ISCEBS webinar: A Fiduciary Framework for Managing Employer Healthcare Programs Speaker - Jun 2026 SHRM26: Future Proofing Your Health Benefits, Multi-Year Planning and High Performance Program Design Panelist, with Donovan Ryckis - Jun 2026 Webinar: A Fiduciary Framework for Managing Employer Healthcare Programs Speaker - May 2026 Florida Alliance for Healthcare Value: The Future of Health Care, Built by Employer Leadership Speaker - Jan 2026 Health Benefits Conference and Expo, Ponte Vedra: A Fiduciary Framework for Managing Employer Healthcare Programs Speaker - Aug 2025 HR Florida, Orlando: 5 Better Questions That Will Transform Your Benefits Renewal Strategy Speaker - Jun 2025 SHRM Annual, San Diego: Health Plan Lawsuits and Employer Fiduciary Duty Explained Speaker - May 2025 [BenefitsPRO Broker Expo, Boston: Advisors Then, Now, and Next, Navigating the Changing Landscape of Healthcare](https://www.event.benefitspro.com/bprobrokerexpo/session/2631150/advisors-then-now-and-next-navigating-the-changing-landscape-of-healthcare) Speaker, with Donovan Ryckis - May 2025 BenefitsPRO Broker Expo, Boston: Documentary premiere Presenter - Feb 2025 YouPowered Symposium, Anaheim: Knuckling Down on Fiduciary Responsibility Speaker - Jan 2025 NexGen Advising Conference: Consultative Selling, From Broker to Advisor in Three Steps Speaker - Sep 2024 ISCEBS Symposium: Avoid ERISA Health Plan Lawsuits Speaker, with Donovan Ryckis - Sep 2024 Health Benefits Nation, Nashville: The Changing Role of Advisors Speaker ### Talks Chelsea gives 1. A Fiduciary Framework for managing employer healthcare programs 2. Health plan lawsuits and employer fiduciary duty, explained 3. 5 better questions that will transform your benefits renewal strategy 4. Future proofing your health benefits 5. Consultative selling: from broker to advisor To invite Chelsea to speak, email [service@ethosbenefits.com](mailto:service@ethosbenefits.com) with your event, the date, the audience and the topic you have in mind. ## Watch and listen. - [Nov 2026 · Ethos Benefits on YouTube **The captive is the broker's easy button**](https://www.youtube.com/watch?v=1wRMgCkFFBQ) - [Nov 2026 · The Business of Benefits podcast **The captive is the broker's easy button**](https://www.youtube.com/watch?v=s_0hn3BUth0) - [Nov 2026 · The Business of Benefits podcast **AI Care Navigation: Simpler for Employees, Smarter for Employers**](https://www.youtube.com/watch?v=xZbmgKut2Ko) - [Nov 2026 · Ethos Benefits on YouTube **Fiduciary Unfiltered: November 4th w/ Talia Carbah & Chelsea Ryckis**](https://www.youtube.com/watch?v=i4vEYzUl1wU) - [Oct 2026 · The Business of Benefits podcast **Benefits Dirty Dozen, Part 2**](https://ethosbenefits.com/podcast/benefits-dirty-dozen-part-2) - [Oct 2026 · The Business of Benefits podcast **How to Vet Benefits Vendors**](https://ethosbenefits.com/podcast/how-to-vet-benefits-vendors-christopher-vanderwolk) - [Sep 2026 · The Business of Benefits podcast **Employer Health Coalitions and Smarter Purchasing**](https://ethosbenefits.com/podcast/employer-health-coalitions-karen-van-caulil) - [Aug 2026 · The Business of Benefits podcast **Self-Funded Health Insurance, PBMs and Reference-Based Pricing**](https://ethosbenefits.com/podcast/self-funded-health-insurance-most-watched-moments) - [Jul 2026 · The Business of Benefits podcast **Department of Labor Audits Start With Your Process**](https://ethosbenefits.com/podcast/department-of-labor-audit-patrick-williams) - [Jul 2026 · The Business of Benefits podcast **A Panel Discussion with 2 Employer Case Studies w/ Jaimie Jarvis & Stephanie Porrino | SHRM26**](https://www.youtube.com/watch?v=a2cJG1psva4) - [Jul 2026 · The Business of Benefits podcast **Employee Wellness Programs Built on Data**](https://ethosbenefits.com/podcast/employee-wellness-program-dr-romie-mushtaq) - [Jun 2026 · The Business of Benefits podcast **Built Different: The Ethos Story | Ep. 80 | Chelsea Ryckis & Donovan Ryckis**](https://www.youtube.com/watch?v=PABirl75njE) - [Jun 2026 · The Business of Benefits podcast **Stop Ignoring Women's Health Benefits w/ Brittany George | Episode 79**](https://www.youtube.com/watch?v=gBRtf2D08jY) - [May 2026 · The Business of Benefits podcast **The Real ROI of Mental Health Benefits w/ Chelsea Ryckis | Episode 78**](https://www.youtube.com/watch?v=2exjAurhi_I) - [Apr 2026 · The Business of Benefits podcast **The Doctor Who Cut the Middleman Out of Imaging w/ Cristin Dickerson, Green Imaging | Episode 76**](https://www.youtube.com/watch?v=V4_r9_gr3ko) - [Apr 2026 · The Business of Benefits podcast **PBM Rebates and Who Really Pays**](https://ethosbenefits.com/podcast/pbm-rebates-mark-cuban) ## Written or reviewed by Chelsea - [**ACA reporting requirements.** ACA reporting for employers: which form you file, deadlines for tax years 2025 and 2026, the December 2024 law changes, and penalties for late or wrong returns.](https://ethosbenefits.com/benefits-101/aca-reporting) - [**What is aggregate stop-loss insurance?** Aggregate stop-loss caps a self-funded plan's total claims for the year. How the aggregate attachment point is set, monthly vs. annual aggregate, and the ASD.](https://ethosbenefits.com/benefits-101/aggregate-stop-loss) - [**Broker compensation disclosure.** What the CAA's broker compensation disclosure rule requires, which brokers and consultants must disclose, the deadlines, and what to ask your broker.](https://ethosbenefits.com/benefits-101/broker-compensation-disclosure) - [**Employee benefits management.** What employee benefits management covers, how it differs from strategy and administration, and a month-by-month calendar for overseeing your plan.](https://ethosbenefits.com/benefits-101/employee-benefits-management) - [**What is Form 1095-B?** What Form 1095-B is, who issues it, the line 8 coverage codes, who receives it, state mandates, the furnish-upon-request option and 2026 and 2027 deadlines.](https://ethosbenefits.com/benefits-101/form-1095-b) - [**NQTLs and mental health parity.** What an NQTL is, how it differs from a quantitative limit, which employer plans need a written NQTL comparative analysis, and where the 2024 parity rule stands.](https://ethosbenefits.com/benefits-101/mental-health-parity-nqtl) - [**The PCORI fee.** What the PCORI fee is, the per-covered-life rate for each plan year, who pays it, how to count covered lives, and how to file Form 720 by July 31.](https://ethosbenefits.com/benefits-101/pcori-fee) - [**What is reference-based pricing?** How reference-based pricing works for self-funded health plans, why balance bills happen, where the No Surprises Act helps, and what employers need in place.](https://ethosbenefits.com/benefits-101/reference-based-pricing) - [**RxDC reporting.** What RxDC reporting is, which group health plans must file, who files the P2 and D1 to D8 files, the June 1 deadline, and how to confirm your vendors filed.](https://ethosbenefits.com/benefits-101/rxdc-reporting) - [**The summary plan description.** What a summary plan description is, what ERISA requires it to include, when it must be delivered, and how it differs from the plan document and the SBC.](https://ethosbenefits.com/benefits-101/summary-plan-description) - [**Voluntary benefits and fiduciary duty.** When employee-paid voluntary benefits become ERISA plans, what the DOL safe harbor requires, and why new class actions name employers and their brokers.](https://ethosbenefits.com/benefits-101/voluntary-benefits-fiduciary-duty) - [**PBM reform is now law.** Federal PBM reform passed in the Consolidated Appropriations Act, 2026. What it requires of PBMs and employer plans, when it starts, and what to do now.](https://ethosbenefits.com/insights/pbm-reform) ## See what your plan is really costing you. A Strategic Analysis starts with your plan documents and your broker agreement, then shows you what your plan costs, where the risk sits, and what a committee would decide with the full picture. [Request a Strategic Analysis](https://ethosbenefits.com/strategic-analysis) [Call (407) 803-4710](tel:+14078034710)