Description: Employer stop loss is an insurance coverage offered to employers who self-fund their employee benefits program pursuant to an ERISA plan document. From Reinsurance Section News, November 2007, Issue No. 61.

Description: Excess Reinsurance is a coverage purchased by insurance carriers to limit loss in a year from any one claim. This article addresses the issues when purchasing medical excess reinsurance on a medical portfolio. The most important consideration in the reinsurance purchasing decision is determining the risk objectives of the organization. The proper risk analysis by the carrier or in conjunction with its reinsurer will address the following questions: What is predictable risk versus unpredictable risk?

Description: Cell and Gene Therapy (CGT) are life-changing treatments where conditions such as cancer, hemophilia, spinal muscular atrophy and blindness are being cured. These are great for individuals and society, but the treatment costs are expensive which is bad for payers and reinsurers. This article explores ways for health reinsurance actuaries to participate in the space and evaluate the risk associated with these treatments

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: Over the years I have come to believe that the nature vs nurture debate is fundamentally flawed, in that it tends to exclude an increasingly important third influence: culture.

Description: In 2014, the SOA Product Development and Reinsurance Sections, along with the Committee for Life Insurance research engaged Reinsurance Group of America to undertake a research project on term conversion experience.

Description: Specific and aggregate stop loss insurance reinsurance is a product that has unique characteristics. The product is a special type of policy that covers employers or their self-funded employee benefit plans for larger health claims. The product has some unique reserving challenges for the health/reinsurance actuary.

Description: November 2015 Reinsurance News

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.