Navigate today’s most pressing health industry challenges with a leading global expert by your side.
ACO utilization & cost evaluation
Healthcare cost modeling
Insurance risk assessment
Medicare plan selection solution
Healthcare risk adjustment
Pharmaceutical claims analytics
Meet growing needs for innovative insurance solutions while increasing operational health and improving compliance.
Property & casualty advisory services
Modern flood insurance program
Investment, advisory & trading services
Financial modeling & industrialization
Geographic rating insights
Premium comparison platform
Retirement & Benefits
Deliver on the promises of the past and create smart solutions for the future.
Pension administration & communication
Retirement benefits administration platform
Compensations & benefits
Benefit plan evaluation
Health & welfare benefits administration platform
Manage complex risks using data-driven insights, advanced approaches, and deep industry experience.
Auto policy underwriting
Software performance enhancement
Mortgage platform for investments & reinsurance
Solvency II reporting & compliance
This is a place where your ideas and insights make an impact. Where an independent, entrepreneurial spirit is an advantage. And where diversity of thought and experience makes us who we are.
Data-driven insight. Deep expertise. Transformative innovation. Since 1947, Milliman has delivered intelligent solutions to improve health and financial security.
Jennifer O’Brien Howard is a consulting actuary with the Tampa office of Milliman. She joined the firm in 2005.
Jennifer’s primary area of concentration is in the supplemental health insurance market, specifically with critical illness and hospital indemnity products. She has extensive experience with these product lines, having consulted with a wide variety of carriers that offer various forms of these products. She has assisted clients with product development, contract and application development, underwriting design, competitive analysis, market review, rate filings, and in-force maintenance. She also assists carriers with case-specific underwriting of these products.
In addition to her critical illness and hospital indemnity experience, Jennifer also works in the supplemental health insurance market, specifically with products commonly offered through the workplace. She has actively supported clients on an assortment of supplemental health products, including cancer, accident, and limited benefit medical.
Jennifer works with carriers on various product innovation concepts, including development and claims integration of supplemental health products with other lines of business, such as major medical and disability coverage.
With the growth of the popularity of various life riders sold in conjunction with worksite life products, Jennifer has been on the leading edge of product design and support in this area. This includes lump-sum and accelerated death benefit riders, such as terminal illness, chronic illness, and critical illness.
Jennifer has extensive expertise with model construction as well as experience with pricing and in-force projections using MG-ALFA®. She is a designer of in-force projections used in valuing blocks of business for mergers and acquisitions and/or reinsurance purposes.
She has presented at industry meetings and continues to perform research in this evolving industry.