We’re for Members, not for Profits.  Providing Members access to a range of affordable, high quality health insurance cover.

Senior Management

Sharon Waterhouse BEc MBA MA FAICD


Sharon is CEO Phoenix Health Fund, Director Members Health Fund Alliance & Director Police Bank & has over 20 years’ experience in senior executive roles, including with Westpac, St George Bank & Newcastle Permanent. She holds a Bachelor of Economics, MBA, Masters of Business Research and is a Fellow of the Australian Institute of Company Directors.

    Liz Owens BSocSc

    Member Service Manager

    Liz Owens is a very experienced people leader in diverse customer service industries including health insurance, mining, construction and energy utilities. She has worked at NIB, WesTrac and Ausgrid/ Energy Australia.  She has a degree in Social Science and qualifications in Change Management & Service Management.  At Phoenix Health, Liz ensures we provide the best level of service to our members.

      Peter Leonard-England CPA, ACCA

      Chief Financial Officer & Company Secretary

      Peter is an experienced senior executive with experience in a broad range of organisations in general insurance, government, not-for profit, logistics, financial services and media sectors. He is CPA and ACCA qualified. At Phoenix Health, Peter supports the CEO and Board to ensure all Accounting, Finance, Investment, Regulatory and Governance requirements are met.

        Tracy Shepherd Phoenix Fund

        Tracy Shepherd BBus

        Head of Health Services

        Tracy Shepherd has worked in the Health Insurance Industry including as General Manager for two health funds implementing changes in Sales, Marketing and Claims initiatives. Tracy has also represented the industry on many Committees and working groups considering the implementation of the latest Health Insurance Reform Initiatives.

          Sharon Taylor

          Sharon Taylor

          IT & Analytics Manager

          Sharon Taylor is an experienced Manager having worked in Health Insurance managing IT Systems & Analytical reporting for over 20 years. Sharon has worked with four different health funds and has also worked for our current systems partner HAMBS Systems Limited. Sharon also represents the Industry on several working groups and also holds an advanced certificate in accounting.

            Ben Thomas

            Head of Sales & Marketing

            Ben has over 12 years of Sales and Marketing experience. While working with the Members Own Health Funds, Ben was instrumental in the acquisition and retention of over 30,000 policies. He has also developed a Product Landscape Analysis tool to understand product competitiveness and allow for smarter product design.

              Board Members

              Adrian Howard

              Adrian Howard B.Com, CA, GAICD


              Adrian was appointed to the Board in 2014 and appointed as Chair of the Board in 2020. He is also a member of the Risk Committee and the Remuneration & Nominations Committee.  Adrian is Chief Executive NSW & ACT at WesTrac.


                Bruce Arnott B.Com, CPA, MAICD


                Bruce was appointed as Deputy Chair of Phoenix Health Fund in 2020 after 5 years as Board Chair. His career has included CFO and Company Secretary at Bradken, and senior positions at Onesteel, BHP and Tubemakers. Bruce is Chair of the Audit Committee and a member of the Risk Committee.

                  Stephen James B.E. (Hons), GAICD


                  Stephen holds a Bachelor of Engineering degree and is a Graduate of the Australian Institute of Company Directors. He has been a Director of APRA regulated organisations for over 20 years. He has a strong interest and skills in Governance and Risk Management. Stephen is the Chair of the Risk Committee.

                    Samantha Kuoch BComp InfoSys (Hons)


                    Samantha has worked in the financial services sector for over 18 years and was appointed to the Board in 2020. Samantha is currently GM, Group Development (Mergers & Acquisitions) at NAB. She has worked locally & overseas in strategy, transformation and regulatory compliance. She is a member of the Risk Committee.

                      David Byrnes B.Bus, GAICD


                      David is the Product Marketing Manager at Infrabuild, holds a Bachelor of Business degree and is a Graduate of the Australian Institute of Company Directors. He is the Chair of the Remuneration and Nominations Committee and a member of the Audit Committee. He has served as Deputy Chairman and has been a member of the Board since 2007.

                        Danielle Hodgson B.Bus GDAF MAICD


                        Danielle is Partner and Senior Investment Advisor with Crestone Wealth Management. Danielle joined the Board in 2016. She holds a Bachelor of Business International Trade and Retail Management, Graduate Diploma in Applied Finance and Investment and an accredited Stockbroker. Danielle is a member the Remuneration and Nominations Committee.