Elizabeth Raggio, JD.

Director of Compliance

Elizabeth joined the ETC Companies in August of 2016 and has spent an inordinate amount of time analyzing and education clients on the political aspects of ACA as well as other Health & Wellness issues. As the ETC Director of Compliance, Elizabeth provides practical guidance and assistance to ETC clients regarding compliance and all employee benefit-related matters including of PPACA, ERISA, IRC, COBRA, FMLA, HIPAA, and other laws and regulations impacting the administration of employer-sponsored group health plans. Currently, Elizabeth’s primary focus is related to handling responses to IRS 226J and 972CG penalty letters resulting in substantial savings for Applicable Large Employers (ALEs). Prior to joining ETC, Elizabeth served as the Compliance Officer for the Employee Benefits practice of Frost Insurance, where she led the employee benefits compliance practice and provided support to the producers and account managers across six statewide offices. Elizabeth also worked as a Senior Legislative Analyst for Xerox Corporation and coordinated the implementation of various projects emanating from the Affordable Care Act and other complex legislative changes. Elizabeth’s wealth of experience also includes advising the Texas Medicaid Healthcare Partnership on legislative and regulatory matters and serving as an Associate Attorney with Garlo Ward, P.C., where she practiced before federal and state agencies, including the U.S. Department of Health and Human Services and the Texas Health and Human Services Commission, and advised health care providers in complying with HIPAA, Medicare, and Medicaid requirements. Elizabeth is licensed to practice law in Texas, received a Juris Doctor (J.D.) Degree from The University of Mississippi School of Law and a bachelor’s degree (B.B.A.) in Economics and Marketing from The University of Mississippi.