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Susan E. Pantely, FSA, MAAA

Principal, Consulting Actuary
San Francisco, CA, US

Tel: +1 415 4031333

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Professional Designations

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


  • BS, Mathematics, University of Pittsburgh

Current Responsibility

Susan is a principal and consulting actuary in the San Francisco office of Milliman. Susan rejoined Milliman in 2002. She previously worked for the New York office of Milliman from 1988 through 1999.


Susan provides actuarial and consulting services to a broad range of clients, including Blue Cross/Blue Shield plans, HMOs, commercial insurers, government agencies, and healthcare providers. Her work includes rate development, provider contract review, reserve certification, capitation development, Medicare risk feasibility studies, HMO start-ups, HMO due diligence, and development of risk sharing and reimbursement arrangements for physician groups, PHOs, ACOs, and other integrated delivery systems.

In addition, Susan has extensive experience with the valuation, financial analysis, and projection of healthcare services for several state public health insurance (Medicaid) programs.

Prior to rejoining Milliman, Susan worked at Andersen LLP and Ernst & Young, LLP.

Recent Publications

  • The Proposed Federal Exchange Auto Enrollment Process: Implications for Consumers and Insurers (Milliman Healthcare Reform Briefing Paper, July 2014, co-author)
  • Whose Patient Is It? Patient Attribution in ACOs (Milliman Healthcare Reform Briefing Paper, January 2011)
  • An Electronic Prescription for Health Care Efficiency (Society of Actuaries HealthWatch, January 2009)
  • Employer-Paid Nonmedical Costs for Patients With Diabetes and End-Stage Renal Disease (Preventing Chronic Disease, July 2006)
  • How Savvy are Employees (and Employers) about their Health Benefits? (Milliman Benefits Perspectives, Winter 2008)
  • Medicaid Program Redesign: The Long Term Care and Developmentally Disabled Programs (report for Wyoming Health Care Commission, September 2006, co-author)


  • Member, American Academy of Actuaries’ Health Practice Council
  • Former vice president, Board of Directors, Society of Actuaries
  • Member, Society of Actuaries’ Education and Examination Committee
  • Member, American Academy of Actuaries’ Health Care Quality Workgroup
  • Member, American Academy of Actuaries’ Medicaid Workgroup
  • Former chair, Society of Actuaries’ Health Section Council
  • Work at Milliman

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