The high cost of living longer

With lives growing longer, the concentration of health care costs at advanced ages becomes an ever-greater challenge. How do we ensure the quality as well as the quantity of our later years?


Harmonizing cost and care

Traditional insurance models are challenged by the inversion of the population age curve. With fewer people of working age contributing to private and public plans—combined with continued growth in care costs across the board—innovative solutions are necessary to provide for older citizens.


Related Milliman products

Healthcare analytics
Healthcare analytics


Adopt the healthcare industry’s leading platform for data warehousing and healthcare analytics.

Reserving and IBNP reserve estimation
IBNP reserve estimation

Claim Reserve Estimation Workbook (CREW)

Estimate reserves accurately with our powerful, yet simple tool for estimating "incurred but not paid" claim liabilities.

Benefit plan evaluation
Benefit plan evaluation


Estimate actuarial equivalent relative values for health plans based on variables such as copays, deductibles, and coinsurance.

ACA utilization and cost evaluation
ACO utilization & cost evaluation

ACO Insight

Get online access to dynamic, interactive claims reports and robust benchmarks for ACOs, updated monthly.

Healthcare cost modeling
Healthcare cost modeling

Health Cost Guidelines Suite

Estimate expected claims costs and model healthcare utilization with Milliman’s Health Cost Guidelines™, an industry gold standard.

Medical underwriting
Medical underwriting

Milliman Medical Underwriting Suite

Improve the medical underwriting process with a comprehensive suite of products based on Milliman Medical Underwriting Guidelines.


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Predictive analytics solutions

Product development and pricing: Healthcare

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