Description: This is the second article in a four–part series. In this article, the industry's products are examined.

Description: Examines the question of whether health-care costs, or health insurance costs, are in crisis.

Description: Examines the trends affecting the distribution system for the industry's products, and the regulatory and tax environment in which life companies operate. Also looks briefly at the state of competition in the industry.

Description: This article analyzed the characteristics of the uninsured. Income had the highest correlation. From: The Actuary, April 2000 – volume 34 - Issue 4.

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

Description: This article discusses health care reform in Kentucky. In 1994, Kentucky implemented health care reform measures inspired by the unsuccessful attempt at national health care reform in the Health Security Act of 1993. The measures adopted in Kentucky are described by the author as 'a textbook case of how not to engage in health care reform.' From: The Actuary, April 2000 – volume 34 - Issue 4.

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: The Actuary Vol. 22, No. 3. In this article Deborah Poppel interviews Paul Barnhart regarding the controversies surrounding the proposed heath insurance reserve standards.

Description: Article from The Actuary January 1993 Volume 27, No. 1 highlights solvency measures and what happens if they don't work. Includes discussion on US guaranty association and Canadian CompCorp.

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.