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William Gibula, ASA, MAAA

Houston, TX, US

Tel: +1 713 6583022

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Professional Designations

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


  • BS, Mathematics with Applied Physics Concentration, University of Dallas

Current Responsibility

Billy is an associate actuary with the Houston office of Milliman. He joined the firm in 2011.


Billy's area of expertise includes commercial group health and Medicare Advantage, and he has experience in Medicaid and employer-sponsored medical plans. In his time at Milliman, Billy has played an integral role in building and maintaining small group and large group rating models. This has given him a first-hand view of the impact of healthcare reform on the rate development process. He also assists clients in pricing Medicare Advantage plans and plans offered on the state exchanges.

Billy performs trend analysis and develops reports on the financial history of both fully insured and self-insured plans and then prepares projections of future financial performance for the plans. He assists clients in financial reporting on various liabilities, including incurred but not paid (IBNP) claims reserves, premium deficiency reserves (PDR), and medical loss ratio (MLR) rebate liabilities. Finally, Billy has experience researching, extracting, and organizing data from a variety of sources to create market landscape tools, which are used to identify insurance carrier competitors and to view their underwriting experience by line of business.

  • Work at Milliman

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