Why Pearl

We are a team of physicians, technologists and health plan leaders who believe that primary care providers are the key to America’s future health. The pandemic showed just how critical primary care is to our communities and also how under resourced they are. We want to fix that.

Pearl believes that the contours of the DCE model can support primary care practices and allow them to thrive.

doctor holding stethoscope

Our partnership model offers a number of benefits for our participating primary care providers:

hand with dollar sign signifying financial guarantee
We offer a financial guarantee to primary care practices. While others ask for upfront investments with the possibility of future shared savings, we guarantee a fixed revenue stream. You’ll have peace of mind knowing that regardless of what happens, you have revenue stability.
dollar sign with upward arrows showing additional revenue growth
Participating providers can earn additional revenue above our financial guarantee through the successful management of their patient population.
heart with a beat showing technology platform

Pearl’s technology platform is customizable to the needs of your practice. Unlike other one-size-fits-all tools, our platform is designed specifically for success in Direct Contracting.

Primary Care Providers are hurting. So we built Pearl to give them the tools and financing they need.

Traditional Medicare revenue is subject to volatillity…

Volatile graph showing traditional medicare revenue

…resulting in patient care delivery that can feel like a conveyor belt.

People on a conveyer belt

Pearl’s guaranteed monthly payment provides revenue stability…

Graph showing Pearl Health's guaranteed stable monthly revenue

…so physicians can focus on patients needing the most care and share in the value they create

5 people with different reasons to visit a primary care provider

Our Mission

We launched Pearl Health to help providers who are overwhelmed by the current healthcare system. We believe there is a need to bring humanism back to healthcare by giving physicians more time with patients, increased autonomy, incentives that are aligned with better outcomes and actionable intelligence to empower clinical decision making.

We want to put physicians back in the driver’s seat, enabling them to take control of their patient’s care, their schedules, and their finances.

We’re starting with Traditional Medicare, because it’s the largest undisrupted healthcare market in the US. Pearl Health will use this opportunity to help the backbone of American healthcare: the Primary Care Provider (PCP).

Our Team


Working at Pearl

If you are as passionate about this mission as we are, we’d love to meet you. Please submit an application for one of our open positions on our careers page, and tell us about your superpower. We’ll be in touch!

Jeffrey De Flavio, MD

Executive Chairman

Jeffrey De Flavio, MD is co-Founder and Executive Chairman of Pearl Health. He is an Entrepreneur in Residence at AlleyCorp and the Founder of Groups: Recover Together, the national leader in value-based care for treatment of opiate addiction. Dr. De Flavio’s expertise is in value-based care, clinical redesign and building early-stage companies. He received his M.D. from the Dartmouth College of Medicine and his M.B.A. from the Tuck School of Business at Dartmouth.

Michael Kopko Headshot CEO Pearl Health

Michael Kopko

Chief Executive Officer

Michael is co-founder and CEO of Pearl Health. Michael served as an early employee and Vice President at Oscar Health, having built their pre-revenue Insurance Plan Sales and Network Contracting systems. He most recently managed the company’s largest P&L at +$2.5B.

Prior to Oscar, Michael worked for Bridgewater Associates in the company’s Research, Client Service, and Recruiting departments. While at Bridgewater, he was the Head of Research Analytics where he reported to the CEO and Head of Research. In 2009 he successfully sold DormAid, a college service company, which he launched and ran while he was a student at Harvard. 

He is the recipient of Columbia’s Feldberg Fellowship, where he received his M.B.A. He received his A.B. from Harvard University.

Ankit Patel


Ankit Patel is co-founder and President of Pearl Health. He was previously the Vice President of Provider Alignment at Clover Health, building programs and software to engage providers to achieve better health outcomes at lower costs.  Prior to joining Clover, he was a Senior Advisor at the CMS Innovation Center, where he worked on various value-based payment models including the Pioneer ACO program and the Maryland All-Payer Waiver.  He began his career as a health care attorney for an academic medical center. 

He received his B.A. in International Studies at the University of South Carolina – Columbia and his J.D. from the University of North Carolina at Chapel Hill.

Jennifer Rabiner

Chief Product Officer

Jennifer Rabiner is Chief Product Officer at Pearl Health. Prior to joining Pearl Health, Jennifer served as a product leader at Hint Health and athenahealth.  Her product experience spans value-based care in both the health system and independent provider segments, as well as direct primary care.  Jennifer’s experience also includes healthcare revenue cycle process optimization and system implementation at Deloitte Consulting and Triage Consulting Group, as well as pharmaceutical reimbursement strategy and operations at Millennium Pharmaceuticals.  

She holds a Master of Healthcare Administration from the University of North Carolina at Chapel Hill, and a B.A. in Social Welfare from the University of California at Berkeley.

Gabriel Drapos​

Chief of Staff

Gabriel is Chief of Staff at Pearl Health. He was previously a leader on the Product team at Centivo. While there, he led market launches in New York, New Jersey, Connecticut, Florida and Michigan, in partnership with 14 regional health systems.

Prior to Centivo, Gabriel was an early employee at Oscar Health Insurance, where he served in a number of roles including Director of Product Operations, Chief of Staff, Interim Head of Marketing and in a Special Projects role on the Data Analytics team. 

Gabriel received his A.B. in Philosophy from Harvard University. He wrote his honors thesis under the advisement of T.M. Scanlon, in which he argued for an alternative moral framework for justifying informed consent in clinical medicine.

Luis Gonzalez-Silen

Head of Engineering

Luis is Head of Engineering at Pearl Health. He was previously Head of Mortgage Engineering at HomeLight, assuming that role after HomeLight acquired Eave Home Lending, where he served as a founding engineer and subsequently CTO. At HomeLight/Eave, Luis built an underwriting platform that leverages modern technology to dramatically improve the mortgage experience. Prior to Eave, Luis was an early engineer at Oscar Health, eventually leading the Core Insurance Systems team, which empowered internal teams to navigate the complexity of healthcare and make a difference in members’ lives. Prior to that, Luis held leading engineering and architect roles at Zynga and T. Rowe Price.

He received his B.S. in Computer Science from Cornell University.

Greg Rakas

Vice President Sales

Greg Rakas is the Vice President of Sales at Pearl Health. Greg was previously the third overall employee at Health iPASS and paved the way in sales driving towards a successful acquisition by Sphere. Prior to that Greg was in similar roles that led to successful start-up acquisitions of BetterDoctor and ePatientFinder. He jumpstarted his career in healthcare by joining ZocDoc as their 15th overall employee. There he helped launch several markets, worked on the formation of the inside sales team, sales playbook, and mid-market/enterprise division. 

Greg received his B.A. in Speech Communication at Illinois State University while also obtaining minors in English and Psychology.

David Krezmer

Head of Strategic Finance

David is Head of Strategic Finance at Pearl Health. David previously worked as an investment banker at Moelis & Company, advising companies across a broad range of industries on mergers & acquisitions, capital raising and strategic decision making. Prior to Moelis, David served as an Associate at HSBC focused on credit and corporate banking services. 

David holds an M.B.A. from the Fuqua School of Business at Duke University and a B.S.B.A. in Finance from The Ohio State University.

Justus Ruff

Network Development

Justus comes to Pearl as an expert in practice transformation, value-based contracting, and primary care operations.  Throughout his career he’s worked with over 300 independent physicians, helping them deploy technology, streamline workflows, & achieve success in value based contracts.

Previous to Pearl Justus was a market operations lead for Stellar Health, managing operations & supporting product development across both payer & provider relationships.  His previous experience also includes Clover Health, where he was a leader in the launch of the Clover Assistant platform, and Cigna-Healthspring / CareAllies in Nashville, TN.

Depending on the season, outside of work you’ll find Justus either hiking in the Adirondacks or skiing on the West coast.

Elizabeth Permenter

Network Development

Elizabeth is the Network Development Lead at Pearl Health. Prior to Pearl, she worked at UnitedHealthcare, where she partnered with providers to deliver successful outcomes in value based care and risk arrangements. She also managed workstreams surrounding contract execution and fulfillment while acting as liaison for hospital and physician groups in downstate New York. 

At Oscar Health Insurance, Elizabeth managed the out-of-network contracting process across all markets, prior to transitioning to a focus on engagement with hospital partners. Before working in managed care, she oversaw business development and recruiting operations at Premier Talent where she partnered with early stage companies to develop both agile workforces, and the Operations, HR, Administrative, and Sales talent required to support growth and expansion.

Elizabeth received her B.A. in English Language & Literature from Southeastern University.

Sean Ryder

Network Development

As Network Development Manager, Sean Ryder plays a key role in the growth and support of Pearl Health’s provider partnerships.

Prior to Pearl, Sean was at Centene Corporation, contracting in the Value-Based Care and Behavioral Health Department.  He started in the insurance industry at Oscar Health, becoming the top broker in the Sales Department before leading the Direct Contracting team in Tempe, AZ.  

Sean also worked in value-based care during his time at Trividia Health, partnering with ACOs to integrate software into call centers to improve HEDIS Measures. Afterwards, he created a bundled payment model for vascular and orthopedic surgeons at a San Francisco-based prosthetic startup, LIM Innovations.

Sean attended Norwich University in Northfield, VT where he received a Master of Business Administration and Bachelor of Science.

Patrick Mauro

Data Science

Patrick Mauro is a data scientist enabling Pearl Health’s mission by creating a quantitative framework around the complex problem of efficiently delivering high-quality healthcare.

Patrick learned the craft of statistical analysis and distributed computing while working as a high-frequency trader at Hudson River Trading, where he led a team trading US and European equities.  Thereafter, Patrick has consulted in a variety of industries, from entertainment to food rescue to biomedical engineering.  He is passionate about performing sophisticated analyses of complex data sets in order to deliver actionable business insights and architect advanced computing systems.  When not combing over data, Patrick also works as a mountain guide, where he delves into a far less quantitative but far more tangible world of risk analysis.

Patrick holds a S.M. in Electrical Engineering and an A.B. in Electrical Engineering and Computer Science from Harvard College.

Michael Raji

Marketing Intern

Michael is a rising Junior at Harvard College studying government with a secondary in Global Health & Health Policy. Prior to coming to Pearl, Michael worked as a strategy intern with Philippines-based AC Health last fall. There he managed a conglomerate-wide COVID-19 case database of 40,000+ employees, independent contractors, and external partners which compiled into a daily report. Furthermore, he conducted Market Competitive Intelligence for telehealth application, HealthNow, to provide insights into the landscape of telehealth in the SEA market. Michael is interested in working at the nexus of technology and healthcare reform to drive positive health outcomes.

Kevin Ryan

Founding Ventures

Kevin Ryan is an entrepreneur and investor in New York. He is the Founder and CEO of AlleyCorp, an incubator and venture capital fund that is responsible for founding some of the most transformative companies in New York, including MongoDB, Business Insider, GILT, Zola, Nomad Health, and CoEdition among others. Earlier in his career, Kevin helped to grow DoubleClick first as President and then as CEO, ultimately leading the company to IPO in 1998 and acquisition by Google in 2007.

Kevin serves on the Board of Mercy Corps, is Vice Chairman of The Partnership for New York City, is a member of the CFR Committee on Foreign Affairs, is on the Board of TECH:NYC and is Director Emeritus for Humans Right Watch. Kevin previously served on the boards of the Yale Corporation and INSEAD.

Dr. David Ferrucci

Machine Learning & AI

Dr. David Ferrucci is the award-winning AI researcher who started and led the IBM Watson team from its inception in 2006 to its celebrated success in 2011 when Watson defeated the greatest Jeopardy players of all time. From 2011 through 2012, Dr. Ferrucci pioneered Watson’s applications in health which helped lay the technical foundation for a new Healthcare Division at IBM. In 2013, Dr. Ferrucci joined Bridgewater Associates to explore applications of AI in markets and management. 

Dr. Ferrucci’s more than 25 years in AI and his passion to see computers fluently think, learn, and communicate inspired him to found Elemental Cognition in 2015. Elemental Cognition is an AI company focused on deep natural language understanding and explores methods of learning that result in explicable models of intelligence. 

Dr. Ferrucci has 50+ patents and published papers in the areas of AI, Automated Reasoning, NLP, Intelligent Systems Architectures, Automatic Text Generation, and Automatic Question-Answering.

Margit Pearson

Business Strategy

Since 2005, Margit Pearson has been managing over $5 billion in investments as well as charitable giving for a few individuals.  She has invested directly in over a dozen companies in the healthcare and biotech industry in their early stages:  seed, Series A, B and C rounds.

She has been CEO/President of both NYSE and startup companies after living and working in Latin America, Scandinavia, Europe and Australia for Mckinsey and Company.

Margit graduated from Harvard Business School in 1975. 

Lauren Surzyn

Asset Management

Lauren is the Chief Operating Officer of Kirkoswald Asset Management, a global macro hedge fund with a focus on emerging markets. She leads Kirkoswald’s strategic business initiatives to ensure that best in class practices are implemented for the global team. As part of this role, she has oversight of the marketing strategy, human capital, compliance, public relations, information technology and cybersecurity. Previously, Lauren was an Executive Director at UBS Investment Bank where she spent 12 years in a variety of roles within the Equities division in both NYC and London. 

Lauren earned her MBA from Columbia Business School in 2015 as a Feldberg Fellow and she graduated from Princeton University in 2007 with a degree in Operations Research and Financial Engineering.

She enjoys volunteering for all three of her alma maters in a variety of capacities: fundraising, interviewing prospective students, organizing career and social gatherings, mentoring students and recent graduates, and fostering engagement across generations and geographies. Lauren also serves on the Board of Inspiring Girls USA, an organization that connects girls with women role models to introduce them to the full variety of careers and options in life.  

Dr. Vinod Mitta

Clinical Strategy

Dr. Vinod Mitta was an early employee and Vice President at Oscar Health Insurance, having built their population health and pharmacy programs.  

Prior to Oscar, Dr. Mitta was a consultant for The Global Fund, Bain & Company, and the US State Department, leading research efforts on the effectiveness of international health financing methods. His work has been featured in major media outlets including Wired, Public Television and JAMA. He completed his clinical residency training in Preventive Medicine & Public Health at Mount Sinai Hospital and is a practicing medical director with Oscar Medical Group. 

He is a graduate of The Harvard School of Public Health, the University of Southern California, and the London School of Economics. He is a member of The Council on Foreign Relations.

Cole Morris

Data & Risk

Cole Morris is a health tech entrepreneur building life-changing devices at Clear, where he is a co-founder, COO and CFO. 

He was previously Vice President of Data at Oscar Health Insurance. There, he led a team of more than 30 data scientists spanning medical economics, product analytics, payment integrity, clinical data science, and business and network analytics. Prior to leading Oscar’s data efforts, he was Director of Care Routing at Oscar, focused on bending the cost curve by better matching Oscar members to high value doctors.

Before venturing into healthcare, Cole was an Investment Team Lead at Bridgewater Associates, where he led a team of Investment Associates providing analytics to some of Bridgewater’s largest clients and wrote investment algorithms in the Research department.

Cole graduated from the Woodrow Wilson School of Public and International Affairs at Princeton University, summa cum laude and phi beta kappa.