Description: This discussion seeks to answer what reserves are required for individual accident and sickness policies, looks at the actuary's responsibility for experience analysis, discusses product development and policy change problems, and examines the major current developments affecting individual accident and sickness insurance.

Description: Presented at June 1996 Spring Meeting. Discusses the relationship among rates for health maintenance organizations, preferred provider organizations, and point-of-service plans.

Description: Presented at October 2000 Annual Meeting. Discusses prescription cost trends, factors behind the trends, and cost management strategies for both the commercial and Medicare markets.

Description: This session is about NAIC health rate regulations regarding loss ratios, new business/closed-block issues, experience data for reporting, and trend. Topics include alternatives to durational rating, prefunding, and rate spread, From Record of Society of Actuaries Vol. 19, No. 1A.

Description: Panelists discuss consumer-driven health plans [CDHPs] being implemented in combination with a variety of financial mechanisms, including health savings accounts [HSAs], health reimbursement accounts [HRAs] and flexible spending accounts [FSAs]. From Record of the Society of Actuaries, Vol. 31, No. 2, Session 104

Description: Panelists use defined-contribution health plan case studies to review successful plan designs, effective plan communication strategies and plan implementation issues. From the Record of the Society of Actuaries, Volume 29, No. 2, Session 64

Description: This paper examines five alternative valuation methods - prospective, retrospective, global, intermediate, and static - for the proper application of GAAP to Medicare supplement insurance. The focus of this paper is on the changes to expected future claim costs due to changes in the Medicare deductibles.

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: Presented at April 1985 Spring Meeting. This session discussed: Target Markets - true third party, fictitious trust, individuals, Media - mail, television, periodicals, Product choice and design.

Description: This paper will develop an aggregate claim reserve methodology for health claims. The theoretical nature of the unpaid claim process is outlined and discussed. This is then used to develop a paradigm shift, which views the claim reserve estimation as a projection of claims from one period to another, rather than as a matter of estimating residual unpaid claims from observed paid claims.