Description: Discusses: Types of medical expense insurance being offered and features, risk management, pricing, and methods of pre-funding retiree benefits.

Description: This article examines two general approaches to pricing The Forecast Approach and the Rebuilding Approach. The author then supplies the reader with the best approach. From Health Watch Newsletter, March 2005, Issue No. 49.

Description: The process of setting initial and renewal premium rates for small group medical block of business using risk characteristics. Presents three pricing schemes and compares profitability Following the Curve, Lowest Best Rate and Highest Worst Rate.

Description: Pricing small group medical coverage under reform laws using debit manual and risk factors. Issue No. 45.

Description: Synopsis of the report of the SOA Medical Effectiveness Task Force, which discusses the concept of health plan performance measurement and the contribution actuaries can make to this.

Description: Exploration of sources of volatility in retiree health valuations, noting how volatility arises and might be mitigated, with discussion of valuation parameters more problematic for retiree health benefits than for pensions. Three significant influences on retiree health valuation volatility are covered-- changes in benefit level, fluctuations in cost level, and alterations in eligibility for, or duration of, benefit – and attention focused on the last two. Specific conclusions result in recommendations, which are supported by practical examples contrasting volatile measurement results with those likely from the recommended practices. Theoretical discussion includes health claim variation, health trend usage, financial economics, option pricing, discount rates, and deterministic vs. stochastic modeling.

Description: Presented at April 1986 Spring Meeting. This session discusses how employers are trying to limit their risks under medical care plans and the implications of such strategies for carriers. This session considered the differences in the economic and random fluctuation risks, and the effectiveness of programs in controlling each.

Description: Presented at April 1985 Spring Meeting. This session discussed: Selective underwriting standards, Renewable options, Producer controls, Compliance with state laws and regulations, Control and profitability.

Description: Relative to group medical plans, discusses: recognition given to effect on morbidity of various demographic factors, consideration given to inflation in making rate guarantees, consideration given to group size, and underwriting transfer cases.

Description: This discussion covers the loss experience under superimposed plans compared with comprehensive plans, controls over increasing costs and the use of Relative Value Schedules, and deductible amounts and coinsurance provisions.