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Mike Gaal is a principal and consulting actuary with the Chicago office of Milliman. He joined the firm in 2014.
Mike’s areas of expertise encompasses the entire spectrum of healthcare coverage, including medical, pharmacy, and other welfare programs. His primary responsibilities include modeling and analysis of medical and prescription drug plans in the commercial market and assisting large complex organizations with managing employer-sponsored healthcare coverage. In addition, he works closely with organizations to evaluate and interpret price transparency data.
His experience includes pricing, state insurance department rate filings, experience analysis and financial modeling for individual, small and large group plans. He has worked extensively with large employers and health plans.
Mike has also provided objective, independent consulting services to organizations by evaluating private exchange solutions, and served as an expert witness.
Prior to joining Milliman, Mike worked for a firm that specialized in consulting to hospitals, health systems and medical groups, primarily consulting on the topics of compensation and benefits for employees, physicians, and executives.
In addition, Mike spent nearly 10 years as a healthcare benefits consultant to large employers in general industry where he assisted employers on benefit design, flexible benefits pricing, vendor procurement, data analytics, and in understanding the impact of health care reform on employee benefit programs.