Description: Essay discussing that the two factors that affect healthcare cost are costs and the fact that people lack coverage.

Description: This essay highlights a view that many have for meeting these goals is one of a two-tiered system. The first tier in this system is a universal one controlled by the federal government, while the second tier is a private sector supplementing the first tier. The remainder of this paper will examine this two-tiered system and how various stakeholders in today’s system will be affected.

Description: An actuarial model that provides financial incentives to providers to offer patients an approach that can reverse chronic disease and reduce health care costs

Description: This paper offers basic, economic and actuarial ideas to improve the balance of cost, access to treatment and quality over time.

Description: Essay recommending establishing a consistent and actuarially sound foundation for assessing the costs and benefits of each and every current and new Medicare or other healthcare proposal.

Description: This article contains a condensed summary and excerpt from the fourth white paper in the Commercial Health Care: What’s Next? series.

Description: Discussion of the impact of the ACA on RBS and required surplus for a health plan

Description: Essay suggesting to fix the tax code, reform healthcare regulations, open the industry to competition and reform malpractice litigation.

Description: This article is focused on sustainability concerns in the ACA individual markets and what we can learn from core actuarial principles as discussed in ASOPs.

Description: Established as part of the 1998 Utah State legislative session, the State of Utah's Children's Health Insurance Program CHIP delivers much-needed health insurance to children that are not eligible for Medicaid and who are below certain poverty levels. From Prescription Drugs Monograph, M-HB04-1.