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Tracy A. Margiott, FSA, MAAA

Windsor, CT, US

Tel: +1 860 6870169

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Professional Designations

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


  • BS (summa cum laude), Mathematics and Actuarial Science, University of Connecticut

Current Responsibility

Tracy is an actuary with the Hartford, Connecticut, office of Milliman. She joined the firm in 2012.


Tracy provides health benefit consulting services to both public and private sector clients, including insurance companies, employers, pharmacy benefit managers, Medicare plan sponsors, and government entities.

Tracy leads a variety of projects involving analysis of medical and prescription drug benefit plans. Her experience includes pricing health benefits, estimating claim reserves, evaluating plan performance, and projecting medical stop-loss claims using stochastic methods.

Tracy has significant experience with both the individual and group Medicare Part D markets. She supports Medicare Part D plan sponsors with plan design, formulary design, and pricing of prescription drug plans. She also advises employers and pharmacy benefit managers on the design and pricing of Employer Group Waiver Plans (EGWPs).

Tracy is a coauthor of the Estimating Pharmacy Claim Costs chapter in the Group Insurance textbook.

  • Work at Milliman

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