About us

Our Team

Heath Insurance by Design has been helping individuals and businesses select healthcare insurance plans for over 15 years in the Southern Indiana area. Our 30+ years of healthcare experience allows us to provide expert knowledge while finding the plan that works best for you. Since we are a locally owned family business, we enjoy helping people in our community understand their health insurance needs.

Keith Megraw

Keith began his healthcare career at Humana in 1980. In 1983, he was one of the initial team that helped launch Humana’s health insurance division.

Thirty years ago, Keith left Humana and began helping Southern Indiana businesses obtain affordable health insurance for themselves and their employees. In the 90’s, his largest customer grew from 70 employees to over 700 employees. He enjoyed helping that family grow their organization. They knew the importance of having a great employee benefit package. Keith founded Health Insurance by Design with his wife, Karen, in 2003.

He was a member of one of the first full graduating classes from Indiana University Southeast, after Indiana University relocated to their current New Albany campus. In 1992, he was elected president of the IU Alumni Club of Louisville and Southern Indiana. While president, the club convinced Coach Knight to visit our community for his annual Southern Indiana basketball tip off event.

In 2005, Keith was asked to sit on the Hospital Moratorium Board. The Floyd and Clark County Commissioners requested that a study to be done to determine the need for an additional hospital in our community. At the conclusion of the study, Keith was appointed to the Floyd Memorial Hospital and Health Services Board of Trustees.

Keith married Karen Perkins, his college sweetheart, in 1982. Their son Kyle was born in 1984 and now works for the family business. Their daughter Kela was born in 1986 and works for Vericlaim in Jacksonville, Florida, where she now lives. Their third child, Kody, was born in 1989 and is the Director of Sales and Marketing for the Pendennis Club in Louisville. Keith and Karen love spending time with their grandchildren.

Karen Megraw

Karen grew up in New Albany and has lived in Floyds Knobs for nearly 40 years. Karen began her career in healthcare at Floyd Memorial Hospital (now Baptist Health Floyd) in 1973, working in Medical Records and Personnel/Administration for 18 years. After her time at Floyd Memorial, Karen worked as a teacher’s aide and substitute teacher at Holy Family School.

Karen helped begin Health Insurance by Design with Keith in 2003 as Vice President of Finance. Karen has recently cut back her hours at the family business, but she has made a lasting impression on the success of Health Insurance by Design.

Karen loves spending her time with family and friends, working in her flower gardens, cooking, playing cards, concerts, and watching/attending Dallas Cowboys Football games and IU Basketball games.

Kyle A. Megraw Sr, MSBC

Kyle grew up in Floyds Knobs and currently lives in New Albany. He earned a BS in Marketing and Sales from Indiana University in 2007 and a Master of Science in Business Communication from Spalding in 2013.

After graduating from Indiana University, Kyle worked for Humana for five years as an analyst for Product Trend in the Issue Resolution and Training & Documentation departments.

Kyle takes great pride in his work at Health Insurance by Design. He enjoys handling issue resolution for his clients and taking the anxiety out of purchasing insurance for individuals and their families. Kyle performs needs analysis for both individuals and groups, then creates benefits tailored to the specific needs of each client.

Faith and family are very important to Kyle. In 2014, Kyle’s son, “KAM” was born.  Kyle loves spending time with KAM, which includes golfing and coaching his baseball team.

Kyle also enjoys playing for his men’s softball team, fishing, boating, four-wheeling, attending IU basketball/football games, playing cards, and camping with family and friends.

Kinsey Neidiffer

Kinsey grew up in Southern Indiana and graduated from Silver Creek High School in 1997. She earned a Bachelor of Science from the University of Indianapolis. For the next five years she worked with victims of Domestic Violence. In the social service area she performed case management, volunteer coordination, and Human Resources at non-profits in Indianapolis and Louisville.

For the past 13 years she worked in healthcare as an Intake Coordinator at Wellstone Regional Hospital, a 100 bed acute behavioral health facility. Throughout her career she has focused on serving others, providing assistance in times of crisis, and educating clients on their available options.

She enjoys spending time with her two daughters and their activities of track, golf, theater, and orchestra. As an only child she would be lost without her friends and parents who she is very close to. Her other loves include two dogs, a cat, many arts and crafts, books, movies, exercising, traveling and attending concerts and music festivals.

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