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Annie Man

FSA, MAAA
Principal and Consulting Actuary
San Diego, CA, US

Annie is a Principal in the Milliman San Diego office. She joined Milliman in 2011. She is a Fellow of the Society of Actuaries.

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Experience

Annie has worked with a variety of different health care clients, including health plans in the Affordable Care Act (ACA) marketplace, Medicare Advantage and Prescription Drug (MAPD) plans, Prescription Drug Plans (PDPs), health systems, provider groups, employer groups, and government health programs.

She has assisted numerous health plans with multiple lines of business and in various states. Her engagements include but not limited to financial planning, strategic design of new plans/new products, rate development, and form filings.

Annie works with health systems, Accountable Care Organizations, provider groups, and nonprofit organizations on a variety of projects. Her expertise includes contract evaluation, financial projection, tool development, and program assessment.

She conducts reserve analysis and certifies the Statement of Actuarial Opinions for health plans.

Publications

Read their latest work

Article

2025 Milliman Medical Index

27 May 2025 - by Deana Bell, Jason Clarkson, Brent Jensen, David M. Liner, Annie Man, Andrew L. Naugle, Andrew Timcheck
How much is employer-sponsored healthcare expected to cost families and employers in 2025?
Article

2024 Milliman Medical Index

21 May 2024 - by Deana Bell, Jason Clarkson, Mike Gaal, David M. Liner, Annie Man, Andrew L. Naugle
In 2024, the estimated cost of healthcare for a family of four in an employer-sponsored health plan is $32,066, according to the Milliman Medical Index (MMI).
Article

Key considerations for Medicaid-focused insurers starting an ACA line of business in light of Medicaid eligibility redetermination

20 July 2023 - by Annie Man
We present key considerations for starting an ACA line, in light of the high numbers of people potentially losing Medicaid coverage via redetermination.
Article

2023 Milliman Medical Index

25 May 2023 - by Deana Bell, Mike Gaal, Paul R. Houchens, David M. Liner, Annie Man, Andrew L. Naugle, Doug Norris
We project the average cost of healthcare for an American family of four with an employer-sponsored PPO plan to rise to $31,065 in 2023, up 5.6% over last year.
Article

2022 Milliman Medical Index

25 May 2022 - by Mike Gaal, Paul R. Houchens, David M. Liner, Annie Man, Andrew L. Naugle, Doug Norris
In 2022, the cost of healthcare for a hypothetical American family of four covered by an average employer-sponsored preferred provider organization (PPO) plan is $30,260, according to the Milliman Medical Index (MMI).
Article

2021 Milliman Medical Index

27 May 2021 - by Paul R. Houchens, David M. Liner, Annie Man, Andrew L. Naugle, Doug Norris, Scott A. Weltz
Our 2021 healthcare trends report predicts that healthcare spending will grow by 8.4% to $28,256 for a family of four.
Article

Medicaid-focused insurers may benefit from having an ACA line of business post-COVID-19

01 February 2021 - by Annie Man, Marina Zen
This paper discusses five reasons why Medicaid-focused insurers may benefit from having a Patient Protection and Affordable Care Act line of business post-COVID-19.
Article

Direct Contracting and the impact of COVID-19 on physicians

08 January 2021 - by Coleen Young, Hugh Larson, Annie Man
Recent Direct Contracting adjustments have created an opportunity for organizations considering becoming Direct Contracting Entities to attract physicians who might not have been interested previously.
Article

Health insurance enrollment changes due to COVID-19 and the potential impact on the ACA individual market

27 April 2020 - by Annie Man, Barbara Dewey
What are the health insurance options available to the newly unemployed and how may this affect the size of the Affordable Care Act market?
Article

How might COVID-19 impact 2021 supplemental benefits

10 April 2020 - by John Rogers, Annie Man, Kyle Hutmaker
While no one knows what will happen with COVID-19 in 2021, in the absence of a vaccine or other curative treatment, Medicare Advantage plans may be advised to consider possible impacts of the disease well into the future.