Description: In this article, the author, reflecting upon his own experiences, discusses why meaningful individual health insurance, unlike other lines of individual coverage, is generally not offered by insurers to individuals with long-term needs.

Description: September’s Actuary contained an excellent summary by Drew Davidoff of renewal rating for small group medical business. Among the techniques he describes are age, sex, and area rating, experience rating using credibility, experience rating using tiers, examination of the diagnoses in the claim file, and initial and reentry medical underwriting.

Description: Attempts to explain the need for premium increases on level-premium, guaranteed-renewable health-insurance policies. It presents a perspective on loss ratios for such policies that may be helpful to an insurer in reflecting a regulator's or consumer's viewpoint.

Description: This article discusses fringe benefits for the retired from a 1967 meeting of the Canadian Pension Conference.

Description: Discusses the features of, and the development of, the new disability income valuation table, the 1985 Commissioner's Individual Disability Tables A, or CIDA. Also mentions the 1985 CIDB developed by E. Paul Barnhart.

Description: This article discusses the growing number of cases of dementia and its effects on economics and loved ones.

Description: Discusses variability in per capita health-care costs by health-care provider.

Description: The viability and future outlook for the individual disability industry has dramatically improved from where it was 10 years ago. Evidence of this turn–around can be found in the industry's current profitability and its development of new markets. This article discusses where the market stands today.

Description: On Dec. 29, 1973 President Nixon signed into law the Health Maintenance Organization Act of 1973, which authorizes $375 million to be used by the DHEW to stimulate the establishment and development of HMO's over the next five years. This article describes the status of the regulations and the development of additional HMO's.

Description: This article presents a view of health care as an economic system, suggests a framework for classifying current criticisms of the system, and offers references for further reading.