Description: New products should address having acceptable carrier risks and at the same time enhance the product’s value to consumers to pave the way for broader acceptance.

Description: A look at the career and accomplishments of Julia Philips, the only health actuary employed at the Minnesota Department of Commerce. She believes her learn-by-doing attitude has allowed her to build a career she enjoys, which includes her to work to promote consumer protection, volunteer with many organizations, and implement health reform.