Description: Two responses to 'Predictive Modeling with Consumer Data' article in the Oct/Nov 2011 issue of The Actuary are critical of the proposal for using consumer data as a health insurance marketing tool.

Description: The Health Insurance Portability and Accountability Act affects all exchanges of health information. It has a major impact on health-care management and the distribution of health information used in underwriting and claim management practices for all medical and non-medical lines. Also discussed are changes to Medicare, Children's Health Insurance Program, CHIP, and a proposed prescription drug plan under Medicare. From the Record of the Society of Actuaries, Volume 27, No. 1, Session 24PD of the Dallas Spring Meeting.