Description: Article from The Actuary, December 1975, Volume 9, No. 10, discusses medical expense insurance. This article addresses the following questions: Why have group claim frequency rates remained high? What can be expected for the future? What management actions are appropriate? This presentation is one actuary's attempt to answer these questions.

Description: A discussion of funding arrangements that can reduce the costs of providing medical coverage through lower reserves or state tax savings, instead of through cutting benefits.

Description: This article explores the changing risk profile between the transitional Affordable Care Act (ACA) period (2014-2016) and under the final ACA period (beyond 2017) for the individual market. Actuaries are in a unique position to help facilitate the change from the current ACA period to the final period when health plans will have to take on substantially more risk.

Description: Author provides rationale for his disagreement with the latest draft proposal of reserve standards for health insurance that is being considered by the NAIC for adoption.

Description: The article explores how deeply the Affordable Care Act reduced the Medicare Advantage benchmark payment rates and quantifies how much of that reduction Medicare Advantage Organizations earned back through quality bonuses.