Description: This articles discusses an online survey of Brokers and Intermediaries regarding Third Party Administration in the Employer Stop Loss ESL sector.

Description: This paper will examine why CSR defunding produces pricing uncertainty and how regulators can alleviate these risks when insurers price 2020 premiums.

Description: This article discusses of the Federal Employees' Health Benefits Program. Specifically addressed were the flexible features, the political environment and changes being considered.

Description: On average, contracts receiving their first star rating receive 3.20 stars, compared to existing or established contracts receiving 3.90 stars on average. This 0.70 disparity in quality ratings creates significant hardship on new contracts when this lower star rating decreases their payments in the following calendar year. This article explores the disparity in Medicare Advantage Star Ratings between contracts receiving their first star ratings (“New” contracts) and existing contracts, including: 1. Understanding what happens to Medicare Advantage Payments when contracts receive lower star ratings? – What is the Star Rating cliff and why does it matter to new contracts? 2. Explaining when a contract receives their first star rating and how much enrollment this requires – When does the Star Rating cliff occur? 3. Noting which specific star measures “New” contracts struggle with, including those contracts under large parent organizations, contracts with rapid growth, and all other new contracts. – How can my contract avoid the Star Rating cliff?

Description: What is the difference between a Single-Payer and Universal Health Care System, and how could the U.S. implement a system that would reduce the growth of medical costs while increasing quality.

Description: Discusses the rapidly growing AIDS epidemic and its impact on traditional underwriting principles for life insurance and health insurance.

Description: This article discusses health care reform in Kentucky. In 1994, Kentucky implemented health care reform measures inspired by the unsuccessful attempt at national health care reform in the Health Security Act of 1993. The measures adopted in Kentucky are described by the author as 'a textbook case of how not to engage in health care reform.' From: The Actuary, April 2000 – volume 34 - Issue 4.

Description: This article attempts to make a modest contribution to the dialogue on the potential and risks associated with novel treatments such as cell & gene therapies. With a fast-expanding roster of what are believed to be one-time treatments at ever increasing price points aimed at curing a wider swatch of the population, they are as much a source of relief for patients stuck in medical limbo, as they are a source of anxiety for payers.

Description: Examines the trends affecting the distribution system for the industry's products, and the regulatory and tax environment in which life companies operate. Also looks briefly at the state of competition in the industry.