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How Does Where You Live Impact Your Health?


Joan C. Barrett, FSA, MAAA
Consulting Actuary
Axene Health Partners, LLC.

Stephanie D. Entzminger, FSA, MAAA
Consulting Actuary
Axene Health Partners, LLC.


How does where you live impact your health? The following research considers this question through the lens of social determinants of health (SDOH), which are factors relating to where you live or work that may impact your health. In the United States, there are geographical differences in SDOH which contribute to wide disparities in health status and outcomes. In particular, individuals who are negatively affected by SDOH may have an increased burden of disease, leading to a relatively high total cost of care and worse quality of life.


How Does Where You Live Impact Your Health?


Research Insights - How Does Where You Live Impact Your Health?


The authors’ deepest gratitude goes to those without whose efforts this project could not have come to fruition: the volunteers who generously shared their wisdom, insights, advice, guidance, and arm’s-length review of this study prior to publication. Any opinions expressed may not reflect their opinions nor those of their employers. Any errors belong to the authors alone.

Project Oversight Group members:
Allie Aird
Syed Danish Ali
Jim Dolstad, ASA, MAAA, FCA
Sophie Feng, ASA, ACIA, CERA
Razi Hasna
Jim Mange, FSA, MAAA
Mitchell Momanyi, FSA, MAAA
Rebecca Owen, FSA, MAAA, FCA
Margie Rosenberg, FSA, Ph.D.
Mitchell Rubenstein, ASA
Sudha Shenoy, FSA, CERA, MAAA
Sara Teppema, FSA, MAAA, FCA

At the Society of Actuaries:
Achilles Natsis, FSA, MAAA, SOA Health Research Actuary
Erika Schulty, Research Administrator

We would like to express additional gratitude to Margie Rosenberg who went above and beyond in providing guidance on this paper – particularly with her insights related to clustering techniques.

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