Description: Overview of public health (responsibilities, funding, challenges) and discussion of the role actuaries can play in achieving population health goals.

Description: The panel will discuss the growing public sense of urgency to deal with a worsening crisis in the ability of millions of Americans to obtain quality health care that is also affordable. This session focuses on Medicaid issues, the Kennedy bill, and the impact on small businesses to require employers to purchase health insurance for their employees and dependents. From Record of the Society of Actuaries 1988 Vol. 14, No. 1.

Description: At this 1992 panel discussion, the panelists, including Congressman Dan Rostenkowski, Chairman of the House Ways & Means Committee, discuss health care and comment on some of the health care proposals that are currently on the table, including the Administration's plan for overhauling the health care system. From the Record of the Society of Actuaries Vol. 18, No. 1A.

Description: The panel will provide an update on current developments in the financial transfer of risk under alternative managed care arrangements. The panel will also discuss the emerging issues with respect to capitation arrangements. From the Record of the Society of Actuaries, Vol. 21, No. 4a.

Description: This research report provides an evaluation and synthesis of the methodologies and data samples used on characterizing health care fraud.

Description: The objectives of this paper include an assessment of the basis of volatility of experience and financial results, considering the risks and uncertainties associated with long-term policies, especially LTCi. In so doing, it is observed that a properly determined provision for risk and uncertainty is needed in premiums and reserves. It then describes the approaches that can be taken to quantify such a provision in new and re-rated LTCi. The paper discusses possible mitigation approaches that have and should be taken, especially but not limited to the use of policy design features to enhance the alignment of interests of the LTC insurer and its policyholders. It also explores the relationship between historical and expected future risks and uncertainties specific to LTCi. It concludes by pointing out the pervasiveness of the uncertainties involved, the earlier underestimation of the uncertainties involved, although the actual degree of uncertainty may have decreased over time as relevant experience has been obtained. Effective management of LTCi demands incorporation of mitigation approaches in its product design and continuous monitoring of relevant experience.

Description: This is the fourth Intercompany Study of Long–Term Care Insurance. This report combines and analyzes data received from 24 insurers that agreed to provide information to further the knowledge of long–term care insurance. Those insurers are listed in Appendix A of the report.

Description: A study of whether tobacco, area and industry rating in one state may be reflecting unintended factors such as race, ethnicity or socioeconomic status. This study does not consider whether the rating factors accurately reflect underlying claims costs.

Description: Description * Coinsurance has not been widely offered as a benefit reduction option to offset long-term care premium rate increases. This article uses an illustrative example to evaluate the potential impact coinsurance could have on an insurance carrier's future claim liabilities and a policyholder's premium rates. It also explores various considerations insurance carriers, regulators, and policyholders should think about when evaluating whether coinsurance is the right option.

Description: Stakeholders in a specific state (Minnesota) were interviewed about the potential value -- and obstacles -- of a catastrophic backstop program to handle long term care (LTC) financing needs. The design would entail a payroll deduction which would produce a fund to pay LTC expenses once a deductible period (of 1 to 4 years, depending on income) was reached. This design was believed to encourage enrollees to cover the front end better than done today, whether by private insurance or other means.