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Milliman warns that for high-cost patients it is risky to use conventional insurance plan design tactics to try to reduce expenses.
FORBES: The 10 Most Expensive Common Medical Conditions
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The Milliman paper had a few other interesting findings worth reporting.
FORBES: The 10 Most Expensive Common Medical Conditions
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Milliman recommends designing health plans that are generous for high-cost patients.
FORBES: The 10 Most Expensive Common Medical Conditions
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While funds, such as LACERA in its current contract with Milliman, apparently are agreeing to limitations of liability, the limitation amounts are well in excess of the annual actuarial fee.
FORBES: Actuarial Limitations of Liability? (LOL) Laugh Out Loud! (December 1, 2002 )
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One final note about the case of Milliman vs.
FORBES: Actuarial Limitations of Liability? (LOL) Laugh Out Loud! (December 1, 2002 )
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Thus far, the Affordable Care Act signed into law by President Obama has not yet impacted the cost of care for families covered by the large employer-sponsored plans in the Milliman report.
FORBES: Health Costs For Family Of Four Higher Than Year Of Groceries
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Of the 194.5 million Americans with private insurance, 10.3 million get it in the individual market (5.3%), and 18 million get it through the small-group market (9.3%), according to a study by Paul Houchens of Milliman.
FORBES: Obamacare's MLR 'Bomb' Will Create Private Insurance Monopolies and Drive Premiums Skyward. Hallelujah!
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One potential perverse effect of the law, says medical-cost analysts Milliman, is that insurers might have less incentive to drive down reimbursement rates to hospitals and doctors because that might push their administrative expenses above the ObamaCare cap of 15% of total costs.
FORBES: OutFront
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The surest sign trouble lies ahead for pensions is the recent effort by some of the largest actuarial and pension consulting firms, including Milliman, Towers Perrin and Watson Wyatt, to coerce their pension clients to agree to limitation of liability (LOL) provisions in their contracts.
FORBES: Actuarial Limitations of Liability? (LOL) Laugh Out Loud! (December 1, 2002 )