Description: The SOA’s research objective is to provide guidance to state exchange officials and administrators, federal officials and administrators, and actuaries assisting states and health plans. The goal of the project is to estimate the morbidity and/or cost for newly insured individuals in the individual market (and to some degree, the small group exchange) relative to the morbidity and/or cost for the current commercially insured population. This analysis will primarily focus on the individual, non-group market. In order to plan for the impact that these currently uninsured individuals will have on the health insurance markets, it will be important to understand their costs relative to the costs for people already enrolled, for whom many health insurers have experience and data.

Description: PowerPoint slides of presentation given at Gerontological Society of America.

Description: The attached report presents the results of the survey conducted by the SOA Committee on Life Insurance Mortality and Underwriting Surveys on risk management practices of US life insurance companies. Both direct individual and group life insurance and reinsurance were included in the survey.

Description: Data files for presentation.

Description: This research paper investigates health care costs in the last year of life. This paper looks specifically at the issues of measurement of retiree health care costs when the baseline healthcare costs are measured in terms of the last year of life costs and maintenance costs.

Description: This is a research report that highlights the characteristics of combination plans that serve to reduce the risks to insurers issuing life or annuity products linked to long-term care insurance. Observations are provided to assist in the understanding of the factors that explain the profit change sensitivity results and the natural hedging against major risks that inherently is present within the linked products.

Description: The primary objective of the paper was to develop a straightforward method for constructing an interpolation formula of finite range with desired properties stipulated in advance. This paper had in view mainly the application to polynomial interpolation as used in actuarial work. Followed by 2 discussion papers submitted

Description: A recent study sponsored by the Society of Actuaries (SOA) and ILTCI Conference Board examines morbidity improvement and how it impacts long-term care (LTC). The study was authored by P.J. Eric Stallard and Anatoliy Yashin of Duke University. This article summarizes the study’s findings and provides useful background for readers who may not be familiar with LTC services and insurance.

Description: This panel discussion focuses on the marketing trends of smaller companies, mass marketing and direct marketing. From Transactions of Society of Actuaries 1969, Vol. 21, Pt. 2, No. 60.

Description: It is well accepted that, for ages 30 and above, human mortality rates increase with age, yet no established graduation method makes direct use of this knowledge. Such a method is offered in this paper.