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Juliet M. Spector, FSA, MAAA

Consulting Actuary
Chicago, IL, US

Tel: +1 312 7260677

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Professional Designations

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


  • BA, Mathematics, Northwestern University

Current Responsibility

Juliet is a consulting actuary with the Chicago office of Milliman. She joined the firm in 2002.


Juliet offers guidance and experience to both providers and insurers in understanding and estimating the complex financial risks associated with healthcare costs.

Juliet lends actuarial expertise to enable providers to understand a patient-centered quality care delivery system. She develops customized actuarial cost models to allow her provider clients to maximize revenue when implementing changes to reimbursement strategies or capitation rates. She develops customized utilization and cost benchmarks to enable a focus on quality of care and best practices. She has experience analyzing and pricing bundled payments and doing longitudinal analysis of specific disease states. She helps providers with commercial, Medicare, and Medicaid reimbursement arrangements.

Juliet is adept at analyzing large data sets and applying different statistical techniques in order to draw meaningful conclusions and create benchmarks.

She has consulting experience working with individual and small group health insurance companies and their products, including long-term care. She has experience in product development and pricing, state insurance department rate filings, experience analysis, and financial modeling. Juliet has significant long-term care valuation expertise.


  • "Digging Into Claims Data to Succeed Under Value-Based Payment," 2014, Healthcare Financial Management
  • "High-Value Healthcare Provider Networks," 2014, American Health Insurance Plans


  • "Long Term Care Claims: Past and Future," 2011 Long Term Care International Forum
  • "Stats You Can Confidently Use," 2012 Intercompany LTCI Conference
  • "Accountable Care Organizations, A Financial View," 2013 Northstar Network, Healthcare Business Academy
  • "Payment Reform: The Importance of Linking Actuarial Assumptions to Clinical Initiatives," 2014 SOA Payment Reform Seminar
  • "US Payment Reform," 2014 Milliman Health Forum
  • "Bundled Pricing for Complex Care," 2014 UHC Payer Relations and Business Development Council Meeting.
  • Work at Milliman

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