Description: This study was sponsored by the Society of Actuaries Health Section. This paper explores the relative significance of aging as a determinant of financial cost of health care beyond age 50, with particular attention to the effect for ages 65 and older. The paper presents concepts of aging factors and aging curves, which define relative values between ages for utilization or cost of health care services. General conclusions are drawn from Medicare data that utilization and cost differ by age, but that aging factors vary across services and may be less significant at very old ages. The author then turns to the question of measuring the significance of an aging curve assumption and what accuracy is lost in the simpler alternative of a single value across an age range.

Description: Panel discussion of varying views on: substandard underwriting with prudent pricing, qualified vs. nonqualified plans and the need for IRS clarifications, rate stabilization and aggressive pricing, noncancellable products and product features.

Description: This session discusses affordable health care including cost drivers, trends, the uninsured, federal funding and state initiatives. From the Record of the Society of Actuaries, Volume 29, No. 2, Session 109

Description: Interviews with several actuaries who are subject matter experts in the health field to get their perspectives on implementing the Affordable Care Act (ACA).

Description: Developing a formal strategy to guide the SOA’s activities with respect to public policy-related topics is underway. Recent experience shows that non-partisan contributions through the SOA’s research are already adding value to important public policy discussions.

Description: This article contains a condensed summary and excerpt from the fourth white paper in the Commercial Health Care: What’s Next? series.

Description: An over view of recent revisions to Social Security, and their implications to the private sector of the insurance industry.

Description: This article discusses HIPAA, Health Insurance Portability and Accountability Act of 1997 and the many NAIC model laws affecting health insurance and paricularly how Arkansas is facing the post-HIPAA complexities.

Description: Panel discussion of national, state, and provincial developments in health care policy and regulation. Presented at the 1975 annual meeting.

Description: Updates on the efforts of the Academy’s health practice council. its work groups and task forces, to educate health care policymakers on issues including principles for reform, Medicare, the individual insurance market, and risk factors.