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American Health Care 2021 - Now What? Introductory Letter

Wednesday, Aug 25 221

Are you as an employer, health care provider, insurer, elected official, community leader and/or taxpayer satisfied with the current quality, availability, accessibility, cost and sustainability of health care in your community? If not, we would urge you to be aware of the following information.

It seems increasingly clear that American Health Care will be shaped by another decade of spectacular scientific breakthroughs and new technical accomplishments.

Unfortunately, unless we can significantly improve the health care policy decision-making process, its seems equally clear that the current health care system will continue to be plagued with funding issues that challenge taxpayers and patients and create access problems for rural and low-income populations, both of which adversely affect the nation’s overall health status and the productivity of its workforce.

This disconnect between our scientific and technological capacity to do better for people who need care and our ability to deliver that care equitably in an efficient, effective and affordable manner represents one of the largest human and financial challenges facing the nation, its people and its employers.

As the United States Congress weighs the merits of a $3.5 trillion investment in infrastructure  initiatives that sponsors say would be paid for partially with reductions in health care costs, the need to address this disconnect becomes even more important and urgent. The disconnect evolved over decades of policy debates too narrowly focused (i.e., cost versus coverage) and inadequately informed regarding holistic impact and unintended consequences. It will continue to get worse unless we address the fundamental need for better analytics and recognize the need for on-going, outcome-driven evaluation and correction.

The offsets for the $3.5 trillion in proposed new spending are in three main buckets: “health care savings, reforming the tax code [and] long-term economic growth.”

Punchbowl News, July 14, 2021

The Concerned Actuaries Group, a non-partisan 501(c)(3) organization has spent the past two years developing a comparative actuarial assessment model (CA2M) capable of providing the health care policy making process (e.g., policy-makers, consumers and the media) with far greater, more holistic analytical capacity to evaluate the potential impacts of proposed changes to the system.

Over the past several months we recorded a series of five discussions about the disconnect, the need for better decision-making and the role of the CA2M model that we believe you and your peers could find useful as you think about how to engage with the inevitable next national debate about delivering and paying for health care in the 21st Century.

Please take a look at what’s being said, and if you think it worthwhile, share it with as many people as you think might find it helpful. Thank you.


Mark Litow, FSA, Milliman Principal (Ret.) - Chair, Concerned Actuaries Group

Ronald Colby, FSA, Former CEO, UnitedHealthCare Insurance Company; Founding Partner Insurex,

Robert Collett, FSA, Former CEO, Milliman (Ret.)

Last modified on Wednesday, 25 August 2021 17:58