Description: Before the proliferation of HMOs, multiple options and flexible benefit programs, there were fairly standard underwriting rules regarding participation and benefit design. These rules no longer can be applied. This session discusses the underwriting effects of HMO penetration, high/low options, working spouses, new dependent coverage rules, and renewals. It includes a discussion on cost containment, AIDS, cost shifting and mental health / substance abuse. From Record of the Society of Actuaries 1988 Vol. 14, No. 1.

Description: In light of the recent expansion in Medicare beneifts, this session at the SOA 1989 Chicago Spring Meeting looks at the future of individual Medicare supplement products, including benefits, marketing opportunities, regulation issues and underwriting.

Description: This is a discussion about the issues surrounding retirement at age 70. What redesigns of group life, disability, and health plans is necessary as a result of raising the minimum mandatory retirement age to 70? What is the cost effect of these changes? How do you handle benefit design in states with no mandatory retirement age? How should pension and profit-sharing plans be changed to conform to the new law? From Record of the Society of Actuaries 1979, Volume 5, No. 1.

Description: This session from the 1984 SOA Toronto Meeting discusses an overview of the underwriting methods and techniques used with individually issued accident and health insurance including elimination periods, underwriting limits and claims costs. From Record of the Society of Actuaries Vol. 10, No. 4

Description: Panelists discuss potential effects on the health insurance system and implications of future developments in genetic technology. From the Record of the Society of Actuaries, Volume 28, No. 3, Session 53.

Description: Panelists discuss recent innovations in the 'special risk' market, the regulatory environment, and pricing issues. Focus is on critical illness insurance.

Description: This panel discussion was presented at the SOA's May 1976 Meeting in Houston. The topics covered included: experience rating problems, group life problems, Long Term Disability issues, Association Group, and utilization of HMOs. From Record of the Society of Actuaries 1976, Volume 2, No. 2.

Description: This session from the 1983 SOA Hollywood, Florida Meeting discusses group health insurance including the development of underwriting and cost strategies, companies getting out of the group business, limiting the risks such as inflation and high interest rates, marketing strategies and the use of group reinsurance. From Record of Society of Actuaries Vol. 9, No. 4.

Description: This session at the SOA 1990 Dallas Spring Meeting discusses the design and implementation of employee benefits from the viewpoints of a consultant, a corporate client, an insurance company, and also from a collective bargaining perspective.

Description: This session from the 1984 SOA Atlanta Meeting covers the issues in the individual medical insurance market - escalating costs, utilization rates and anti-select lapsation, the potential solutions and the challenges facing the actuary.