Description: This note compares hospital utilization and average daily hospital costs for persons aged 65 and over as indicated by 1968 data under Medicare's Hospital Insurance Program and from the American Hospital Association.

Description: Discussion of methods to estimate unpaid claim liability UCL for health plans. Includes traditional IBNR lag method and a lag method based on claims reported but not paid RBNP. Issue No. 45

Description: Can Direct-to-Provider Contracting Achieve Value-Based Care for Employer-Sponsored Plans? Direct-to-provider contracting is a strategy in which a self-insured entity negotiates a contract directly with a provider of healthcare services rather than through a third-party administrator (TPA), often with the goal of driving value-based care. This article discusses the considerations for employers and providers with direct-to-provider contracting.

Description: This article is the abstract from a paper that provides methods and formulas for calculating active life reserves for credit insurance.

Description: Combining an Actuarial and an Underwriting Approach, Issue No. 39.

Description: Building on our previous newsletter article (“Who Sells and Distributes”), we continue here in our attempt to define and clarify sales and distribution terms that may be confusing or misunderstood. In this article, we focus on seller and distributor compensation, which includes payments to customer-facing sales experts and separate allowances for the entities supporting those experts

Description: Moral issues behind paying for a transplant. Issue No. 46.