Talkin’ Bout a Revolution
My father is an immigrant who fled the Civil War in El Salvador during the 1980s and my mother [...]
RBC in an ACA World: Determining an Optimal Surplus Range
The Patient Protection and Affordable Care Act (ACA) brought new risks and volatility to the world of health insurance. The prospect of insuring a previously uninsured population...
Fields of Gold: Reaping a Harvest from the ACA
American migration and gold have a long history. People have uprooted and undertaken dangerous expeditions in search of the precious element with hope of ‘striking it rich’...
Making Rate Review Great Again
The Patient Protection and Affordable Care Act (ACA) is known for its non-intuitive paradoxical mechanics in the individual market. The defunding of cost-sharing subsidies increases...
ACA Math and 2020
Most of us know by now that the mathematical results of input changes in formulas associated with the Affordable Care Act (ACA) are not intuitive. Since its 2014 implementation, the most...
Understanding Our Health Care System
As we transition towards the 2020 elections, more and more politicians are talking about our health care system. No matter which side of the aisle one finds themselves, this continues...
Obamacare’s Unlikely Savior
President Trump is commonly seen as a clear and present danger to President Obama’s namesake law as it begins its 10th year. A genuine reflection tells a different story...
From Startup CFO to Actuary: Applying Actuarial Exams in Trading, Banking and Corporate Finance
Over the last decade or so, the Society of Actuaries (SOA) has increasingly promoted the actuary’s ability to [...]
Comparing March Madness to Health Care
The time of year is upon us again. A time many sports fans wait all year long [...]
Is There Room In The Health Care Market For A Discount Carrier?
In the cellular industry there are carriers that can offer prices far below the main three carriers by [...]