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Ksenia Whittal, FSA, MAAA

Consulting Actuary
Denver, CO, US

Tel: +1 303 2999400

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Professional Designations

  • Fellow, Society of Actuaries
  • Member, American Academy of Actuaries


  • BM (with distinction), Honors Actuarial Science, University of Waterloo

Current Responsibility

Ksenia is a consulting actuary with the Denver Health practice of Milliman. She joined the firm in 2005.


Ksenia's primary focus is on predictive modeling and lifestyle-based analytics application to underwriting and disease management. This work includes consulting to healthcare plans on the use of lifestyle-based data to augment underwriting decisions and identify individuals for disease management and wellness initiatives. Lifestyle-based analytics plays an especially strong role in risk selection in the small/medium group market, and will integrate well with other risk selection approaches such as risk adjusters, IntelliScript, and medical underwriting.

Most recently, Ksenia has been managing the technical development of Milliman Advanced Risk Adjusters (MARA), which was released in 2010. MARA utilizes Milliman's existing actuarial and clinical expertise and is well suited for advanced applications of risk adjustment in healthcare budgeting, pricing, payment, stratifying risks, and analytic reporting.

Ksenia's work in long-term care includes pricing, product development, valuations of blocks of business, filing, and large group offerings. Other recent projects include benchmarking and rate development for health plans.

  • Work at Milliman

    • “I was offered a chance to come in, shake things up, create something."
    Work at Milliman