Description: Medical stop-loss reinsurance continues to play a vital role in containing employers’ health care costs. Managing general underwriters [MGUs], who originally handled these programs, have lost market share to large direct writers. This article discusses how health care reform and highly disciplined underwriting tools offer growth opportunities to MGUs.

Description: Panel discussion of prospects for cost containment of, and alternatives to, fee-for-service health care, and management of health care under national health insurance. Discussion points include cost containment devices, HMOs, economic impact, cost escalation, self-insurance, stop-loss, claims administration, loss of state premium taxes, and Phase 3 tax problems under NH1.

Description: A proposal to address provider payment issues by gradually moving to accountable care organizations. Capitations would be risk-adjusted, non-capitated costs would be covered by hospitalization fund and stoploss, incentives for quality & effective preventive care would be tied to the amount remaining in the fund, and government involvement would be through incentives rather than mandate.

Description: This session explores the issues raised and logistical problems encountered in setting risk-based capital RBC factors for various health products. Also discussed is the development of surplus requriements for disability income products. From the Record of the Society of Actuaries, Volume 27, No. 1, Session 95

Description: An essay suggesting a health care financing system.

Description: This paper presents an introduction to collective risk theory. In collective risk theory one seeks to investigate directly the risk enterprise as a whole. Primary interest is focused not upon the gains, losses, or claims from individual policies but upon the amount of total claims or the total gain arising from all the policies in the portfolio considered. Followed by several discussion papers submitted.

Description: This session provides an overview of industry approaches to valuing the liabilities of nontraditional health products such as specific and employer stop loss, provider excess and critical illness. From the Record of the Society of Actuaries, Volume 29, No. 2, Session 117

Description: Presented at June 1996 Spring Meeting. This session discusses the pricing and underwriting of medical stop-loss insurance, including: self-funded medical insurance, provider excess market and HMOs.

Description: This session from the 2003 SOA Spring Meeting discusses how the employer stop-loss market has experienced turbulence in recent years. Panelists discuss their views on this market, including market size and growth, whether or not pricing is softening, claim cost trends and underwriting. Session 3PD.

Description: September 2015 Reinsurance News