Description: After 10 years, the Affordable Care Act (ACA) risk adjustment program has evolved as the ACA has evolved. In recent years the Centers for Medicare and Medicaid Services (CMS) has focused on predictive accuracy over compensating for actuarial risk and has failed to address systemic issues such as insolvencies that created suboptimal outcomes for the ACA markets.

Description: "Hear an overview of recent results and potential scenarios that may impact the future of the ACA market. Review recent reported industry level profitability before transitioning to a discussion of how current market dynamics may influence the future profitability of this segment. Results from microsimulation economic models will be presented to help illuminate market shifts. Issues that will be explored include how ICRA availability might influence individual decision making, as well as how a move to level funding is impacting the small group market. By attending this session, you will: Understand the recent average and variation of industry performance in the ACA market segment. Describe current policy and market forces that are expected to impact this segment. Explain the range of market scenarios that may result due to these forces."

Description: Worried about the latest wildfires? Can't keep up with the latest geopolitical landscape? Wondering how close AI is to taking over? Join us as we discuss the results of the 18th edition of the Emerging Risk Survey. This is an annual survey which is jointly sponsored by the Casualty Actuarial Society and the Society of Actuaries Research Institute.

Description: Are the choices we make the same in certain versus uncertain situations? What pushes our choices in one direction or another? In this session, join our discussion on the elements that make up consumer choice architecture, how they interact with risk appetite and how to intervene in risk choices, using the National Flood Insurance Program (NFIP) as a case study. Together, we will explore behavioral considerations in risk appetite from the individual consumer and public policy perspectives. The latter will include environmental, social and governance considerations, including the challenges of climate change in a divided political landscape with limited resources. We will cite and use program data to support behavioral assessments. Appetite as a function of both risk preference and risk perception will serve as a foundational premise for the presentation.

Description: Learn about key topics affecting actuaries working in the dental insurance space! The session will include valuable information for health actuaries looking to better understand how dental fits into Medicaid, Medicare, commercial, and ACA markets.

Description: In light of recent regulatory developments and international best practices, the Bermuda Monetary Authority has introduced proposed enhancements to the Bermuda regulatory framework for long-term commercial insurers. During this panel discussion, discuss the potential impacts of these proposed regulatory changes for existing commercial insurers and new entrants to the Bermuda life reinsurance market.

Description: Discuss interaction between defined benefit (DB) plans and defined contribution (DC) plans. Hear more about the impact of DB plans on DC plan design and vice versa. Learn about the differences in DB and DC plan governance and cross-over opportunities between these plan solutions.

Description: The Society of Actuaries will be offering this webinar series intended to educate and investigate aspects of life insurance, annuity, and long-term care product tax compliance. Developed by the Taxation Section, participants will be brought up to date on recent Internal Revenue Service (IRS) guidance and learn about the newest tax issues related to product design and administration. Legal, IRS and product development experts will provide vital insights into the challenges of developing and administering products within the requirements of the Internal Revenue Code (IRC) and allow ample opportunities for questions and information exchange. This session will feature legal, tax, actuarial and compliance experts. Recent legislative changes will be emphasized, including the Secure Act/Secure Act 2.0 and other items/questions that experts have seen increased industry activity.

Description: It comes as no surprise that there has been a great deal of activity by regulators in trying to understand the evolution of UW and the use of data. CO, WA, DC, CA, and on and on. But, where are we now? What is the latest activity? What are the technical issues that need to be considered? What testing protocols should carriers be preparing? How do you know what to look for with respect to fairness concerns? How do you prepare your company to test and if necessary defend your data practices? Join this panel discussion, where they will bring varying perspectives from some of the industry's leading voices on this topic.

Description: Come hear from a panel focused on hot topics in the life/LTC combination product market. The presenters will look at regulatory developments, evolution of the risk selection process, and provide an update to the assumption of natural risk hedging in hybrid products.