Description: This panel discussion was presented at the SOA's May 1976 Meeting in Houston. The topics covered included: experience rating problems, group life problems, Long Term Disability issues, Association Group, and utilization of HMOs. From Record of the Society of Actuaries 1976, Volume 2, No. 2.

Description: This session from the 1984 SOA Atlanta Meeting covers the issues in the individual medical insurance market - escalating costs, utilization rates and anti-select lapsation, the potential solutions and the challenges facing the actuary.

Description: The American Academy of Actuaries task force charged with developing a risk-base capital formula for health insurers submitted its preliminary report to the NAIC Health Organizations Risk-Based Capital Working Group.

Description: This paper proposes a hypothesis that the negative public policy implications of durational rating strategies in the medical insurance market are caused by lack of prefunding of durational deterioration of experience and constitute a failure to maintain an important part of the original insuring promise. To solve the problem, a practical and simple reserving basis is proposed as a regulatory standard. Discussions of this paper are included.

Description: Article Health Insurance in The Actuary, June 1979, Volume 13, Number 6

Description: This paper was prepared to facilitate discussions with the New York State Insurance Department concerning price regulation and the application of minimum loss ratio standards for individual health insurance. From Transactions of Society of Actuaries 1982, Vol. 34.

Description: Panelists discuss the morbidity characteristics, selection patterns, benefit/product designs, and underwriting when employees can choose from among multiple group health products. From the 1987 Record of Society of Actuaries, Vol. 13, No. 1.

Description: This session from the 2003 SOA Spring Meeting covers current and future issues relating to individual and small group medical insurance. This includes implications of market consolidation, regulatory issues and demographic trends. From the Record of the Society of Actuaries, Volume 29, No. 2, Session 5PD.

Description: This session is about appointed actuary issues for the health actuary including cash-flow testing, asset valuation and risk-based capital. From Record of Society of Actuary Vol. 19, No. 4B.

Description: This paper, first published in 1982 in the Transactions of Society of Actuaries, Vol. 34, discusses the phenomenon of durational antiselection, a commonly observed steady and seemingly irreversible increase in loss ratios on mature blocks of individual health insurance policies. The author, William F. Bluhm, constructs a model to explain the deterioration of loss ratios over time, and to quantify the cumulative antiselection effect. This paper was awarded the 1980-82 Triennial Prize. The paper includes written discussion and the author’s review of discussion.