Description: This paper presents population hospital utilization data concerning the proportion of total hospital days that is due to injury and the proportion of total hospital days that is spent in intensive care units for use in obtaining reserve factors. The paper also presents continuation data for hospitalizations. From Transactions of Society of Actuaries 1979, Vol. 31.

Description: Insurers have been getting out of the individual medical expense market. This session will address the implications of such a decision: Nature of the problem Viability of individual medical products Challenge to the actuary Consequences of withdrawal Alternatives of withdrawal. Record of the Society of Actuaries Vol. 10, No. 2 at Salt Lake City

Description: This paper, first published in 1982 in the Transactions of Society of Actuaries, Vol. 34, discusses the phenomenon of durational antiselection, a commonly observed steady and seemingly irreversible increase in loss ratios on mature blocks of individual health insurance policies. The author, William F. Bluhm, constructs a model to explain the deterioration of loss ratios over time, and to quantify the cumulative antiselection effect. This paper was awarded the 1980-82 Triennial Prize. The paper includes written discussion and the author’s review of discussion.

Description: Traditional methods of addressing reserves and liabilities have failed to cope with the problems of escalating claim costs, frequent rate increases, and different opinions as to what liabilities should be recognized. This paper reexamines these issues, discusses shortcomings of current methods and proposes a new approach to the total subject. From Transactions of Society of Actuaries 1985, Vol. 37.

Description: This 1981 session focused on health insurance coverages. Questions included: 1. What are problem areas that have given rise to recent legislative and regulatory activity? 2. What new or different sales practices are being utilized to alleviated consumerist and regulator concerns? 3. How have legislative restrictions on product design and sales practices affected pricing adequacy, morbidity experience and the long-range availability of such coverages? 4. What can actuaries do to educate the public and regulators about cost projections and premium adequacy? 5. Is it ethical to market a product with a low benefit payoff, high expense ratio? From Record of Society of Actuaries, Vol. 7, No. 2.

Description: This is a panel discussion session on external influences on health insurance including cost shifting, regulatory issues, and economic influences. From the Record of the SOA 1983 Vol. 9 No. 2

Description: This panel discussion session focuses on developments in health insurance minimum loss ratio regulation including the NAIC Minimum Loss Ratio guidelines, loss ratios as a regulatory tool, and state regulatory actions. From Record of Society of Actuaries 1981, Vol. 7, No. 1.

Description: Panel discussion about the business, regulatory, and consumer issues relating to loss ratios for Accident & Health Insurance. From the 1980 Society of Actuaries Spring Meeting in Minneapolis, as published in the 1980 Record of Society of Actuaries, Vol. 6, No. 3.