Top 15 U.S. articles and reports for 2015

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Milliman published a variety of articles and reports in 2015, spanning topics like the student loan debt crisis, the Cadillac tax, and risk adjustment. We also published pieces on insurance-linked securities, usage-based insurance, and the rise of drones. See the list below for the top 15 U.S. articles and reports for the year.


2015 key administrative dates and deadlines for calendar-year defined contribution retirement plans, By Employee Benefits Research Group

Key administrative dates and deadlines for defined contribution retirement plans subject to ERISA and the Internal Revenue Code.


Risk adjustment: Overview and opportunity: Top 10 notable issues related to the federal risk adjuster, By Jordan Paulus, Mary van der Heijde

The introduction of commercial risk adjustment into healthcare reform has changed how insurers view and manage risk.


Medicaid risk-based managed care: Analysis of administrative costs for 2014, By Christopher T. Pettit, Ian M. McCulla, Jeremy D. Palmer

This report provides reference and benchmarking information for certain key administrative expense categories used in the day-to-day analysis of Medicaid managed care organization (MCO) financial performance.  


Healthcare, provider reimbursement, and the changing financial terrain, By Catherine M. Murphy-Barron, Rebecca L. Johnson

The time for healthcare providers to start thinking about key strategies for defending and gaining market share is sooner rather than later.


Medicaid risk-based managed care: Analysis of financial results for 2014, By Christopher T. Pettit, Jeremy D. Palmer

This report provides reference and benchmarking information for certain key financial metrics used in the day-to-day analysis of Medicaid managed care organization (MCO) financial performance.


The student loan crisis debt crisis revisited: For-profits come to the forefront, By Leighton A. Hunley

Students need to be keenly aware of the pros and cons of for-profits when making their school choice.


Benefits perspectives: The ACA Cadillac Tax: A primer for employers, By Chris Ruff, Robert J. Pipich

The calculations involved in projecting the future burden of the Cadillac tax are complex and will become a necessary part of human resources benefit planning, union negotiations, and other postemployment benefit (OPEB) valuations.


Transitional reinsurance at 100% coinsurance: What it means for 2014 and beyond, By Daniel J. Perlman, Doug Norris, Hans K. Leida

The 2014 transitional reinsurance program had a coinsurance rate of 100% rather than 80%, and this had implications for the final 2014 financial results of issuers of individual and small group market plans that complied with the Patient Protection and Affordable Care Act.


Drones: Emerging commercial potential, emerging liabilities, By Carl X. Ashenbrenner, Thomas A. Ryan

Drones have taken center stage and the property/casualty insurance industry is responding.


The Milliman Guarantee Index and Milliman Hedge Cost Index

The Milliman Guarantee Index™ (MGI) provides volatility parameters for VA guarantee valuation on a monthly basis, incorporating a risk adjustment that reflects the uncertainty in the ultimate cost of funding VA guarantee claims.

The Milliman Hedge Cost Index™ (MHCI) provides the estimated hedging cost for a hypothetical lifetime guaranteed minimum withdrawal benefit (“Lifetime GMWB”) block, based on product specifications and modeling assumptions as described in the MHCI Methodology Document.


Usage-based insurance: Big data, machine learning, and putting telematics to work, By Marcus Looft, Scott C. Kurban, Terry Wade

For auto insurers, telematics opens up an unprecedented granular view of the road habits of individual drivers.


Life ILS: 2014 year in review and looking ahead to 2015, By Alan J. Routhenstein, Steven I. Schreiber, Stuart Silverman

The reserve financing marketplace has evolved in response to changing marketing conditions since the market started over 10 years ago, and 2015 will be a watershed year.


Issues and challenges in a principle-based reserving world, By James G. Stoltzfus, Karen K. Rudolph, Uri Sobel, William M. Sayre

This paper focuses on the potential impact of the new Actuarial Guideline 48 requirements.


Milliman Medical Index, By Christopher S. Girod, Scott A. Weltz, Susan K. Hart

In 2015, the cost of healthcare for a typical American family of four covered by an average employer-sponsored preferred provider organization (PPO) plan is $24,671, according to the Milliman Medical Index (MMI).


Pension Funding Study and Pension Funding Index

Declining interest rates make 2014 a banner year for pension plans with substantive allocation to fixed income investments, benefiting plans that pursued a liability-driven investing strategy.

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