Variation by Duration in Individual Health Medical Insurance Claims

Research Projects – Health


In this report Leigh Wachenheim of Milliman examines the variation in claim costs by policy duration in individual major medical insurance. Annual and monthly durational claim cost factors are analyzed in aggregate as well as by deductible level, issue age, underwriting rating classification, and pre-existing condition limitation. The Health Section Research Team is pleased to make available the results of this study.

Note: Results are based on data provided by nine insurers and should not be assumed to be representative of the health insurance industry or any individual company.

The Health Section Research Team wishes to thank those individuals that served on the Project Oversight Group.

  • Richard Garner
  • Victor Paguia
  • Peter Perkins
  • Bernie Rabinowitz
  • Greg Russell
  • Thomas Stoiber
  • Ronora Stryker
  • Karl Volkmar
  • Jerry Winkelstein

If you have any questions or comments regarding the report, please contact Ronora Stryker, Research Actuary.