Description: This presentation from Session 78PD of the SOA 1999 San Francisco Annual Meeting discusses state health-care reform over the past decade and offers insights as to what has worked, what hasn't, and what has been a total disaster. The panelists further discuss the states' responses to reforms that simply have not worked and the industry's response to this challenging environment. Finally, they share their ideas of the direction they expect to see state-level reforms to take. From the Record of the Society of Actuaries, Vol. 25, No. 3.