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Thomas D. Snook, FSA, MAAA

Principal, Consulting Actuary
Phoenix, AZ, US

Tel: +1 480 3489020

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Professional Designations

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


  • BA, Mathematics and French, Rice University

Current Responsibility

Tom is a principal with the Phoenix office of Milliman. He joined the firm in 1988.


Tom's area of expertise is managed healthcare and health insurance issues for payers and providers. His experience includes work for Medicaid, commercial, and Medicare clients. He has worked extensively in the projection of financial operations for health insurance risk-bearers, including private health plans, state Medicaid programs, healthcare providers, and self-funded employers. Tom has advised clients on the pricing and design of insurance programs, provider reimbursement, valuation of liabilities, and financial reporting. Clients served include health plans, hospitals and physician groups, employers, governmental entities, and other organizations.

Tom has served as an expert witness for a number of clients in a variety of matters relating to funding adequacy and equity.

Tom also is an expert in correctional healthcare, or healthcare provided to prison inmates, and has advised a number of different clients, ranging from private firms to state governments to academic medical centers.

Professional Activities and Leadership

Tom is a frequent speaker at Society of Actuaries and other professional and industry meetings. He has been an active author and speaker on topics relating to healthcare reform, including:

  • Rookies of the Year: New Entrants Into the Health Insurance Marketplace
  • "Adverse Selection and the Individual Mandate"
  • "Healthcare Costs: Manage the Causes, Not the Effect"
  • "Understanding Healthcare Plan Costs and Complexities"

Tom recently completed a term on the Milliman Board of Directors and previously served as chairman of the firm's Marketing Committee and as a member of its Health Steering Committee. He is a member of the General Committee of the Actuarial Standards Board and has previously served on the Uninsured Working Group of the American Academy of Actuaries. He currently serves on the Advisory Board of the Arizona State University Actuarial Science program.

  • Work at Milliman

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