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Summary One of the most underappreciated cornerstones of the Affordable Care Act (ACA) is that premium variation in the individual insurance market should reflect differences between plans, not differences between the people [...]
In California, the DMHC and DOI facilitate a transparent and accessible means to look up rates and rating information for plans in the individual and small group market. However, gathering a market-encompassing view [...]
Our firm recently hired its first data scientist to complement the consulting team of health actuaries and clinicians. The Actuarial profession is very small and niche, with many people outside of the insurance [...]
What if I told you that two sentences in a rate filing guidance could potentially add $5 billion of federal subsidies to the individual market and bring substantial premium relief to low-income consumers [...]