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Nick Creten, MAAA, FSA

Consulting Actuary
Denver, CO, US

Tel: +1 303 6729012

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Professional Designations

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


  • BS, Mechanical Engineering, University of Notre Dame

Current Responsibility

Nick is a consulting actuary with the Denver office of Milliman.


Nick's primary area of expertise is in supporting provider organizations with targeting the goals laid out in the "Triple Aim": better care for individuals, better health for populations, and lower per capita costs. Specific emphasis in this area includes providing analytic and financial support for population health program design and management, assessing and projecting population risk, benchmarking cost and utilization, and developing viable strategies for providers shifting to value based payments. His work has included strategy surrounding alternative payment models (APMs) and risk-based contracting.

He has significant expertise in the development, assessment, and implementation of predictive models. His experience has focused on risk adjustment as well as disease management analytics, early warning claims prediction, rising risk modeling, consumer data based modeling, and operations optimization. His risk adjustment knowledge includes detailed technical understanding, risk adjustment operational capabilities, financial accounting practices, and strategic implications to succeed in a risk-adjusted market.

Nick has extensive ACA pricing experience, including small group and individual rate development in more than 40 states. His experience includes the development of market risk estimates, credibility and pooling adjustments, induced utilization factors, and area factors. He is also well versed in small group self-funded pricing, risk rating, financial reporting, and strategy.

  • Work at Milliman

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