Description: Health care reform will require health insurers to change the way they make decisions on what to sell while remaining financially sound. The new regulatory reality of expanded access to coverage leaves insurers with fewer options for managing costs and business risk. With the introduction of risk adjustment mechanisms in the exchanges, the most profitable members will not necessarily be the lowest cost ones, but rather, the members which the health plan is relatively more effective at servicing. While Patient Protection and Affordable Care Act 'PPACA' prohibits underwriting and using any health status information for denying coverage or varying the premium rates, this article describes how the use of consumer data will affect the way health insurers make decisions on what products to sell.

Description: Feature article discussing the impact of health care reform on the direct insurance market and the reinsurance market.

Description: Announcement of changes to the LTC Section, and a preview of the articles in the December 2009 issue of Long Term Care News, with topics including Health care reform and LTC vs. Medicaid.

Description: Read detailed analysis of a legislated act aimed in providing access to affordable, quality, accountable health care.

Description: This article contains excerpts from the first three articles that were released through the strategic initiative - Commercial Health Care: What’s Next?

Description: Feature article from the January 2010 issue of In The Public Interest newsletter discussing reform of the U.S. health care system.

Description: Letter by Concerned Actuary Group, printed in the January 2010 issue of In The Public Interest, in response to August 6 Review and Outlook Section editorial titled “Obamacare’s Real Price Tag.”

Description: This article discusses whether the health insurance is affordable given average income levels in the US.

Description: This session is about President Clinton's health care reform proposal. Topics discussed include: federal debate & the actuarial role, cost estimates, and actuarial issues contained in the proposal. From Record of Society of Actuaries Vol. 19, No. 4A.

Description: Discusses effect of allowing companies to sell health insurance policy in any state, if approved in one state, without requiring approval in any other state.