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Actuaries Weigh in on Ways to Address Risk Exposures and Challenges with the U.S. Health Care System
Date:6/11/2009

SCHAUMBURG, Ill., June 11 /PRNewswire/ -- Many interested parties and organizations have provided recommendations on U.S. health care reform, but there is much to be done in terms of mapping out its future. As leading health care professionals, actuaries are looked to for their points of view on this important topic. Providing new health insights, the Society of Actuaries' Health Section has published a collection of 29 essays from actuaries, health care professionals and academics titled, "Visions for the Future of the U.S. Health Care System." The essays cover a wide array of health care issues, but there are four underlying angles: general reform and restructuring of the health care system; risk pooling and risk-adjusted payments; evidence-based medicine and more efficient cost/care.

In an essay on general health care reform, David Axene, FSA, FCA, MAAA, president of Axene Health Partners LLC, noted, "Today there are more than 45 million uninsureds in the U.S. With the challenging economy and increased job loss the number of uninsureds is expected to increase. It is in our country's best interest to minimize the number of uninsureds..." Axene brought attention to the need for general reform to include the entire U.S. population - not just those with health care insurance, to help bring balance between spending and debt. He added, "Everyone's cost to obtain health coverage should go down if more people are covered by some form of a health benefit plan just from the reduced write-offs of health care providers."

Focusing on new ways to pool risk within health care, Thomas Persichetti, ASA, MAAA, consulting actuary at Persichetti & Associates, LLC, wrote, "The question should be asked, is it possible to restrict the role of health insurance to only those individuals that meet the definition of an insurable risk?... One possible solution is to establish a national high risk pool and enroll everyone with o
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SOURCE Society of Actuaries
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