Annie Gunnlaugsson
FSA, MAAA
Senior Consulting Actuary
Brookfield, WI, US
Annie Gunnlaugsson is a senior consulting actuary with the Milwaukee office of Milliman. She joined the firm in 2012.
Experience
Annie graduated in 2012 from the School of Business at the University of Wisconsin – Madison, where she majored in Actuarial Science. During her time there, she gained experience through actuarial internships at a life insurance company and an employee benefits consulting firm. Since joining Milliman’s Healthcare Practice, Annie has worked primarily on projects related to long-term care (LTC) insurance and the group and individual commercial health markets. She has assisted clients in the areas of ACA pricing and rate filings, year-end statements of actuarial opinions, state insurance department LTC rate filings, and reserve estimation for medical and LTC products. Most recently, Annie assisted in analyzing various policy options to alternatively finance Long-Term Services and Supports (LTSS) for the state of Washington.
Publications and Presentations
- Co-author. Implementing a long-term care statewide program: See how tax rates could vary by state. November 2023.
- Co-author. Long-Term Care Focus: Q1 2023. February 2023.
- Co-author. Preparing for the unknown: A journey on public LTC program design. July 2022.
- “Modeling a Public Long-Term Care Program.” ILTCI Conference. April 2021.
- “Journey on Public LTC Program Design.” Milliman Health Consultants Forum. October 2021.
- “ILTCI Reform Session Recap.” Milliman Chicago-Milwaukee Health Client Webinar Series. April 2020.
- “Alternate LTSS Financing and the Impact on Medicaid Spending.” Milliman Health Consultants Forum. October 2020.
- “LTC Experience Forms – What Can We Learn From Them?” 2019 Valuation Actuary Symposium, Denver, CO. August 2019.
- “Long Term Care on the Horizon.” Milliman Health Consultants Forum, Orlando, FL. September 2016.
Professional Designations
- Fellow, Society of Actuaries
- Member, American Academy of Actuaries
Education
- BBA, Actuarial Science, University of Wisconsin – Madison
Publications
Read their latest work
Article
2025 Milliman Long-Term Care Index
21 January 2026 - by Christopher J. Giese, Annie Gunnlaugsson, Evan Pollock, Kevin Brown
On average a 65-year-old would need to set aside $135,000 to cover expected future lifetime costs of long-term care, according to Milliman research.
Article
The long-term care insurance industry through 2024: Summary statistics and observations from the Experience Reporting Forms
31 December 2025 - by Sam Smetek, Annie Gunnlaugsson, Christopher J. Giese, Quentin Clemens
Average LTC insurance premiums increased steadily over the last decade, but incurred claims rose at a faster rate, according to our analysis.
Article
Long-Term Care Focus: Q4 2025
10 December 2025 - by Mike Bergerson, Robert Eaton, Nicole Gaspar, Jordan Olds, Joe Neary, Juliet Spector, Jeff Anderson, Anders Hendrickson, Joe Long, Annie Gunnlaugsson, Fiona Ng, Lucy Ouyang, James Stoltzfus
In this issue, we highlight key initiatives, research, and upcoming studies from Milliman’s LTC consultants, including enhancements to our LARA platform, the impact of post-pandemic experience on LTC insurance, and the next iteration of our Milliman Long-Term Care Guidelines (Guidelines).
Article
Long-Term Care Focus: Q2 2025
11 July 2025 - by Juliet Spector, Mike Bergerson, Robert Eaton, Joe Neary, Courtney Williamson, Jeff Anderson, Jeremy Hamilton, Andrew Duxbury, Bryan Rask, Annie Gunnlaugsson
This Long-Term Care (LTC) Focus newsletter showcases some of the projects that Milliman LTC consultants are working on now.
Article
Long-term care coverage in Medicare Advantage: Why it likely is not enough
10 July 2025 - by Christopher J. Giese, Annie Gunnlaugsson, Jeremy Hamilton
We examine why long-term care coverage in Medicare Advantage likely is not enough, along with the challenges of offering more comprehensive policies.
Article
Long-Term Care Focus: Q1 2025
17 February 2025 - by Juliet Spector, Mike Bergerson, Robert Eaton, Joe Neary, Courtney Williamson, Jeff Anderson, Jeremy Hamilton, Andrew Duxbury, Bryan Rask, Annie Gunnlaugsson
This Long-Term Care (LTC) Focus newsletter showcases some of the projects that Milliman LTC consultants are working on now.
Article
Long-Term Care Focus: Q3 2024
11 September 2024 - by Juliet Spector, Annie Gunnlaugsson, Robert Eaton, Mike Bergerson, Joe Neary, Evan Pollock, Courtney Williamson, Randy Beams, Susan Knutson
In our third quarter 2024 Long-Term Care (LTC) Focus newsletter, we showcase some of the projects that Milliman LTC consultants are working on now.
Article
Evaluating California LTC proposed plan designs through a different lens
07 May 2024 - by Evan Pollock, Christopher J. Giese, Annie Gunnlaugsson
We examine long-term care (LTC) plan designs through the lens of LTC actuarial value, a concept offering fresh perspective on the space.
Article
Long-Term Care Focus: Q1 2024
15 March 2024 - by Juliet Spector, Annie Gunnlaugsson, Robert Eaton, Mike Bergerson, Jeff Anderson, Jeremy Hamilton, Daniel A. Nitz, Alyssa Lu, John Hebig, Courtney Williamson, Tim Kempen, Evan Pollock, Kevin Brown
This Long-Term Care (LTC) Focus newsletter showcases some of the projects that Milliman LTC consultants are working on now.
Article
Implementing a long-term care statewide program: See how tax rates could vary by state
02 November 2023 - by Christopher J. Giese, Annie Gunnlaugsson, Evan Pollock
As states consider long-term care programs, we examine differences in payroll taxes under a front-end design, given the diverse environments across the U.S.