Tom's area of expertise is managed healthcare and health insurance issues for payers and providers. His experience includes work for Medicaid, commercial, and Medicare clients. He has worked extensively in the projection of financial operations for health insurance risk-bearers, including private health plans, state Medicaid programs, healthcare providers, and self-funded employers. Tom has advised clients on the pricing and design of insurance programs, provider reimbursement, valuation of liabilities, and financial reporting. Clients served include health plans, hospitals and physician groups, employers, governmental entities, and other organizations.

Tom has served as an expert witness for a number of clients in a variety of matters relating to funding adequacy and equity.

Tom also is an expert in correctional healthcare, or healthcare provided to prison inmates, and has advised a number of different clients, ranging from private firms to state governments to academic medical centers.

Professional Activities and Leadership

Tom is a frequent speaker at Society of Actuaries and other professional and industry meetings. He has been an active author and speaker on topics relating to healthcare reform, including:

• "Healthcare Reform: Strategic Considerations for 2011"
• "Healthcare Costs: Manage the Causes, Not the Effect"
• "Adverse Selection and the Individual Mandate"
• "Understanding Healthcare Plan Costs and Complexities"