Description: This paper suggests that many problems in health insurance pricing can be solved by requiring a minimum mandatory paid-up period [i.e., premium period shorter than insurance period], and by encouraging insureds to persist by providing them adequate pricing information. This will generate significant investment income for insuring programs and reduce the cost of insurance.

Description: A discussion of outrageous, criminal and soft fraud in health insurance.

Description: A research report that first defines ERM and provides the results of an applicable literature search with hyperlinks and then describes the current state of Enterprise Risk Management practices for health organizations. Areas covered: 1. Operational Risks. 2. Balance sheet risks. 3. Pricing discipline. 4. Asset risks. 5. Learnings. 6. Emerging risks.

Description: A research report describing aspects of provider network performance in health care settings with particular focus on experiences with Exchanges.

Description: Discussion of recent developments in the taxation of noncoordinated benefits such as fixed indemnity, hospital indemnity, and specified disease insurance policies. Developments include a recent Chief Counsel Advice Memorandum and proposed triagency rulemaking that would impact non coordinated benefits.

Description: In 2018, the Financial Accounting Standards Board (FASB) adopted significant revisions to the U.S. GAAP insurance accounting literature, via Accounting Standards Update (ASU) 2018-12. The title of ASU 2018-12 is “Targeted Improvements to the Accounting for Long-Duration Contracts,” and as a result, a common acronym for ASU 2018-12 is LDTI (long-duration targeted improvements).

Description: This 1978 panel discussed risk classification systems for a variety of products. Topics covered included: 1. regulatory and social policy encroachment on risk classification systems 2. possible changes in underwriting/marketing strategy because of changed regulatory requirements 3. use of the social imperative via regulation or legislation to mandate availability of coverage to high risk classifications 4. implied use of the risk classification system to provide incentives to control socially undesirable behavior 5. potential use of private mass coverage to minimize the impact on risk classification systems for coverages mandated by law or social policy 6. the ultimate in risk classification systems: self-insurance

Description: This is a panel discussion of underwriting, pricing and societal considerations in insuring risks such as financial guarantees, product and professional liability, workers' compensation benefits, unemployment benefits, and others in a changing social and economic environment.

Description: This is a panel discussion session on corporate decision making for an individual health line of business including how companies decide which product lines to market, what factors improve the profitability prospects for a product line, why some companies feel income protection coverages are viable while medical expense coverages are not while other companies concentrate on the medical expense market only, and why life companies decide to enter the health insurance market. From Record of Society of Actuaries 1980, Vol. 6, No. 4.

Description: Presented at April 1986 Spring Meeting. This session discussion is about participation in alternative delivery systems, direct contracting with medical providers, participation in coalitions, employer demands for data, employer selection criteria for health carriers.