Geographic Utilization Disparities and Financial Impacts
It seems natural to assume that the scientific underpinning of medicine implies a formulaic treatment for any given [...]
Some Thoughts on Self-Funded Health Insurance in a (Post) Covid World
Today we are nearing the fourth quarter of 2021 and the world has been augmented in major ways [...]
Land of the Free
“If you think health care is expensive now—just wait until it’s free.” —P.J. O’Rourke Health care is [...]
An Actuarial Guide to Medicare Direct Contracting
On April 1, 2021, the Global and Professional Direct Contracting (GPDC) Model began its first performance year. Effective [...]
Misalignment Between Premiums and Coverage Generosity Imposes Heavy Cost Burdens on Consumers in Health Insurance Exchanges
Summary One of the most underappreciated cornerstones of the Affordable Care Act (ACA) is that premium variation [...]
California Health Plan Market Summary
In California, the DMHC and DOI facilitate a transparent and accessible means to look up rates and rating [...]
Health Actuary vs Data Scientist: What is the difference?
Our firm recently hired its first data scientist to complement the consulting team of health actuaries and clinicians. [...]
What Good Will Come Out Of COVID-19?
Nine months ago, we gathered in our conference room to talk about COVID-19 and what it may look [...]
Mental Health Ramifications of COVID-19
Almost a year after the beginning of the COVID-19 outbreak a lot has changed. New phrases like [...]
The ACA’s Silver Bulletin
What if I told you that two sentences in a rate filing guidance could potentially add $5 billion [...]