Meet the Team

At ICUBA we pride ourselves on meeting the needs of our members. We are pleased to introduce our team and the value each member brings to the mission, goals, and values of ICUBA.

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Mark Weinstein, JD, CPA, CEBS, LL.M., MPH

President & Chief Executive Officer

Mark began his current position in 2003 as CEO of the non-profit, self-insured Independent College and Universities Benefits Association (ICUBA),, regulated by the FL Office of Insurance Regulation.  Mark has led ICUBA from a fledgling $23 million annual enterprise into an annual $100 million+ community juggernaut with an average daily cash balance of more than $35 million.  Under Mark's leadership, ICUBA membership has more than doubled, currently covering 16,000+ people in the consumer directed, value based, member centric medical, prescription drug and wellbeing employee benefits plan growing from 8 not-for-profit, private Florida education employers in 2003 to 25 employer members now in 2022, with average annual premium increases of 4.5% per year since inception, and administrative costs consistently less than 9% of premium.

Mark is a board member of the Florida Alliance for Healthcare Value, having served as past board chair (2013-2016) and current chair of the Research and Data Committee.  In 2019 ICUBA was recognized as the "Most Engaged Employer Healthcare Purchaser" by the Florida Alliance.


Mark also serves on the Task Force on Low Value Care through the Value Based Insurance Design Institute at the University of Michigan.  Mark is also a member of the Employee Benefit Research Institute (EBRI) Center for Research on Health Benefits Innovation.

Mark was born in Chicago, Illinois, and is a graduate of University of Illinois at Urbana-Champaign (1982) with a B.S. in Accounting, of the University of Southern California (1985) with a J.D. in Law, of The George Washington University (2002) with an LL.M. master of laws and MPH master of public health, and the Wharton School and International Foundation of Employee Benefit Plans (2012) with a CEBS, Certified 

Employee Benefits Specialist designation.  He is currently a Fellow of the ISCEBS.  His thesis at The George Washington University was entitle: "ERISA Group Health Plan Fiduciaries Must Emphasize Quality Medical Care."  He is also licensed to practice law in Illinois, Nevada and Washington DC, and is a licensed CPA in Texas.​


Emily Stovall

Chief Operating Officer

Emily, a Florida native, earned her Bachelor of Science Degree in Finance from the University of Florida. Her background includes over twenty years’ experience in corporate finance and operations in the public, private, and non-profit sectors. During her tenure at an ICUBA member school, Emily experienced first-hand the value and benefits ICUBA provides to its members and is passionate about continuing to fulfill the ICUBA mission.


Emily joined the ICUBA team in 2022 as Chief Operating Officer and is responsible for supporting the strategic vision of the president and CEO; operational management of ICUBA’s brand partners; communicating benefit plan details to participating members; supporting, guiding and training committee members and staff; monitoring, interpreting and complying with federal and state regulations; monitoring and evaluating brand partner performance; monitoring the performance and effectiveness of all processes inherent to the efficient operation of ICUBA; facilitating interaction between staff, brand partners and members to identify and resolve customer service issues; representing ICUBA to prospective Florida Educational Institutions to enhance participation in ICUBA; and serving as ICUBA’s Privacy and Security Compliance Officer. 

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Paula Hedayat

Chief Financial Officer

Paula is a Florida native, and is a graduate of The University of Central Florida (1988). She is trained in Six Sigma and has over thirty years of progressive financial management experience including operations, planning, forecasting, policy and procedure development and extensive knowledge of healthcare management accounting.


Paula began her career as an Accounting Supervisor for Metropolitan Life and came to ICUBA after leaving her role as Chief Financial Officer at United Healthcare. She is responsible for the ICUBA Financial Operations, including audit, financial planning, budgeting and accounting. Paula is also responsible for the day-to-day operations of ICUBA, including client services.

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Rachel Mangus, CWPM

Senior Director of Operations

Rachel is a Florida native, and a graduate of the University of South Florida with a Bachelor of Arts degree in Mass Communications and Public Relations.  She also holds a Florida Health, Life and Variable Annuities License (2-15), is a Certified Wellness Program Manager (CWPM) through The Chapman Institute and is a member of the International Society of Certified Employee Benefits Specialists (ISCEBS). 


Rachel’s responsibilities as Senior Director of Operations at ICUBA include: Providing guidance to Human Resources Advisory Committee (HRAC) and training member institutions on administrative systems, procedures and technologies; working with current members and prospective ICUF/FCIS members to enhance experience and participation in ICUBA; support ICUBA’s Benefits Administration Team by responding to overflow needs; communicate and coordinate benefits through open enrollments, benefits fairs, wellbeing events, member site visits, administrative portals, meetings of various stakeholders, external websites, newsletters etc.; facilitate interactions between ICUBA, brand partners and members; conduct reviews of processes inherent to the operations of ICUBA; and supporting the strategic vision of ICUBA’s collaborative members.


Joshua Appelt

Director of Technology & Communications


Luis Bartlett Narvaez

Health & Welfare Analyst