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Critical Point Episode 10: What is a Critical Point anyway?04 March 2019 - By Hans K. Leida and Doug Norris - Article

What is a critical point and why would we name Milliman’s podcast after this mathematical concept?

Altered Carbon, actuarial escape velocity, and insurance in a post-human world17 September 2018 - By Hans K. Leida - Article

Life-extension technologies would require a re-engineering of many financial and insurance products on a scale that makes the possible disruption caused by self-driving cars seem minor by comparison.

Healthcare: It’s complicated08 August 2017 - By Hans K. Leida and Lindsy Kotecki - Article

Actuaries have had a front-row seat as healthcare reform has unfolded and are in a unique position to help address the challenges the complex system presents.

Pricing individual health insurance policies: An actuarial overview01 July 2017 - By Hans K. Leida - Article

This article provides an introductory overview of how premium rates are typically developed for individual health insurance policies.

The old and the beautiful: How age and gender affect costs and premiums in commercial health care08 June 2017 - By Doug Norris and Hans K. Leida and Erica Rode and Travis J. (T.J.) Gray - Article

Age/gender rating is an area in which actuarial considerations are often in direct tension with social or public policy considerations.

Five key ways to help stabilize the individual and small group health insurance markets in 201820 March 2017 - By Lindsy Kotecki and Hans K. Leida - Article

This paper provides an actuarial perspective on how certain policy changes surrounding the Patient Protection and Affordable Care Act (ACA) could affect premium rates and market participation over the short term.

Measuring employer cost savings from network changes25 May 2016 - By Hans K. Leida and Shyam Kolli and Troy J. Pritchett - Article

This paper discusses risk-adjusted allowed costs in the context of large self-insured employers that are looking to identify efficient providers and directly contract with them to reduce costs and/or improve employee health outcomes.

Ten potential drivers of ACA premium rates in 201702 December 2015 - By Aaron S. Wright and Hans K. Leida and Lindsy Kotecki - Article

The rate-setting process remains a complex and challenging task for health insurance issuers.

Transitional reinsurance at 100% coinsurance: What it means for 2014 and beyond24 June 2015 - By Daniel Perlman and Doug Norris and Hans K. Leida - Article

The 2014 transitional reinsurance program will have a coinsurance rate of 100% rather than 80%, and this has implications for the final 2014 financial results of issuers of individual and small group market plans that comply with the Patient Protection and Affordable Care Act.

Catching up with Hans Leida15 April 2015 - By Hans K. Leida - Article

Hans Leida talks about innovation in predictive modeling, particularly in the area of risk adjustment models.


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