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Indications of Pent-up Demand

The Society of Actuaries is pleased to make available a preliminary examination of the use of services that are likely to be deferred or even avoided due to financial constraints as a result of lack of health insurance.

Indications of Pent-up Demand

The report was authored by Rebecca Owen, Health Research Actuary at the SOA, and Daniel Maeng, Research Investigator at Geisinger Health System. The authors would like to thank Dale Hall, Kurt Wrobel, Mark Birdsall and Kraig Anderson for their support, encouragement and guidance in this project. This study uses Kansas commercial data to examine the different ways individual insureds used these services in the first quarter of 2014.

If you have any questions or comments regarding the report, please contact Rebecca Owen, Health Research Actuary, at