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Cost-sharing reduction subsidies: Requesting adjustments to the advance payment formula to reduce cash flow strain22 December 2015 - By Esther M. Blount and Frederick Busch and Scott A. Weltz - Article

The cost-sharing reduction (CSR) program is contributing to financial strain for many insurers participating in the individual health insurance marketplace.

Winning with risk adjustment15 September 2015 - By Scott A. Weltz - Article

This article highlights some areas where issuers should focus in order to maximize profit margins net of risk adjustment transfers.

2015 Milliman Medical Index19 May 2015 - By Christopher S. Girod and Scott A. Weltz and Susan K. Hart - Article

According to the Milliman Medical Index, the cost of healthcare in 2015 for a typical American family of four covered by an average employer-sponsored preferred provider organization is $24,671.

2014 Milliman Medical Index20 May 2014 - By Christopher S. Girod and Lorraine W. Mayne and Scott A. Weltz and Susan K. Hart - Article

Health care costs continue to rise, but the rate of increase is dropping. 

2013 Milliman Medical Index22 May 2013 - By Christopher S. Girod and Lorraine W. Mayne and Scott A. Weltz - Article

Healthcare costs for American families top $22,000 in 2013.

The Milliman Healthcare Reform Strategic Impact Study: Helping employers make sense of healthcare reform20 July 2012 - By Paul R. Houchens and Robert L. Schmidt and Scott A. Weltz - Article
Quantifying the cost impacts by healthcare reform provision.Healthcare reform and healthcare costs23 May 2012 - By Christopher S. Girod and Lorraine W. Mayne and Scott A. Weltz - Article

How various healthcare reform scenarios may affect consumers, employers, providers, and the federal government.

2012 Milliman Medical Index15 May 2012 - By Christopher S. Girod and Lorraine W. Mayne and Scott A. Weltz - Article
Average healthcare costs for American families exceed $20,000 for the first time.2011 Milliman Medical Index11 May 2011 - By Christopher S. Girod and Lorraine W. Mayne and Scott A. Weltz - Article
Healthcare costs continue to increase with a family of four paying 7.3% more than in 2010. Costs have doubled in less than nine years.Benefits Perspectives, Spring 2010 - Financial implications of health reform18 June 2010 - By Scott A. Weltz - Article
This issue features: "Financial implications of health reform," "Employer's guide to 2010 Roth IRA conversions," and "Rethinking investment policy."
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