Description: Although rate structures where low-cost cohorts subsidize high cost cohorts may be justified from a actuarial, marketing, or legal standpoint, the subsidization creates risks which must be understood and monitored. This article presents the concept of subsidization signature to measure and interpret the effects of rate subsidization, and to assess the sustainability of rating structures and the sensitivity of business mix assumptions.

Description: Panel discussion about ways can insurance carriers and health care coalitions work together, what data are coalitions requesting from health carriers, how health carriers respond to those requests, and implications for health carriers.

Description: Presented at May 1985 Spring Meeting. This session discussed: What measures should be used in setting objectives and evaluating performance for companies and product lines, What variations are appropriate for stock and mutual companies and for United States and Canadian companies.

Description: Presented at October 1986 Annual Meeting. This session discussion is about profit analysis and elements of profit such as: interest, mortality, lapse experience, expenses, reinsurance, taxes. It also about use of profit analysis as a business tool to drive management action.

Description: Letter fron the Chairman.

Description: We highlight a new approach leveraging predictive analytics to identify high risk and rising risk opioid users for more effective screening and follow-up care.

Description: This article delves into a new line of statistical thinking of the author, that may be useful for product development actuaries. The key concept is how product design can produce products that diversify quickly, meaning that the company can be confident of a profitable product line, based on fewer sales than might be true for other designs.

Description: Technological innovations are disrupting traditional business models, improving products, and enhancing the user experience.

Description: Presented at October 1985 Annual Meeting. Discusses: Measures which should be used in setting objectives and in evaluating performance for insurance companies and product lines, Variations that are appropriate for stock and mutual companies and United States and Canadian companies, Qualitative considerations in interpreting and evaluating information by the management reporting system.