Transcript Highlights:

• Page four also discusses a previous study on mandates.
• And then the two on the right side are Kaiser studies.
• included the way that that study broke it.
• There are studies up to 400,000 for late-stage cancer.
• , dental and oral health care study.

Keywords: 908, all

Summary: The committee met to review the history and current treatment of North Dakota health insurance mandates, with presentations from Blue Cross Blue Shield of North Dakota, Sanford Health Plan, the Public Employees Retirement System (PERS), and the Insurance Department. The discussion focused on how mandates apply differently to fully insured, self-funded, ACA, Medicaid, and PERS plans; how the state’s benchmark plan and federal essential health benefits affect coverage; and how the existing process requires cost-benefit analysis and, for certain measures, a PERS pilot period before broader application. Presenters also reviewed the long list of existing state mandates, including provider, beneficiary, and coverage requirements, and noted that many were enacted decades ago and have not been revisited despite changes in medical evidence and treatment options. Witnesses from the carriers argued that mandates should be reviewed periodically because some are outdated, can create unintended costs, and may not align with current medical guidance. Examples cited included PSA screening, off-label drug coverage, prior authorization rules, step therapy, and cost-sharing provisions for mental health and substance use treatment. They emphasized that carriers often cover services without a mandate when supported by clinical evidence, and that mandates can shift costs to employers and employees, especially in the fully insured small-group market. They also suggested possible policy improvements such as clearer mandate definitions, better transparency around cost-benefit analyses, a regular 10-year review of mandates, and more timely submission of proposals through the interim process. PERS and the Insurance Department highlighted a recurring tension over what counts as a mandate and when a measure triggers the state’s defrayal obligation under federal law. PERS described its interim committee process, the April 1 deadline for fiscal-impact proposals, and the limited pilot program used for certain measures, noting that only a few bills have gone through the full pilot process. The Insurance Department explained that it views new benefit mandates through the lens of the ACA benchmark plan and essential health benefits, distinguishing true new benefits, such as infertility coverage, from changes to existing benefits, such as telehealth or insulin cost-sharing caps. No votes were taken on policy changes; the meeting was informational, with members asking questions about costs, applicability, transparency, and whether a periodic mandate review should be established.

Transcript Highlights:

• Institutions must obtain an actuarial opinion from a credentialed actuary.
• Institutions must obtain an actuarial opinion from a credentialed actuary.
• Institutions must obtain an actuarial opinion from a credentialed actuary.
• There will be a task force and a study. That's right.
• Just one location that we focused on in our data and studies had almost 400 trespass calls in just over

Bills: SB604, SB843, SB1636, SB2395, SB571, SB1224, SB1832, SB2392, SB747, SB2623, SB2624, SB2185

Keywords: bonds, education funding, Texas Permanent School Fund, financial transparency, speculative rating, school funding, deferred maintenance, tax revenue, education budget, school districts, education, finance, Texas Education Code, misconduct, child abuse, educators, investigation, criminal offense, education law, suspension

Transcript Highlights:

• We have already proven success through fall prevention and chronic disease studies that show supervised
• As you'll see in the packet before you, our fall prevention study with the Hebrew Senior Life Program
• My name is Annie Tasman Ewing, and I am a senior consulting actuary with Wakely.
• I'm a fellow of the Society of Actuaries and a member of the American Academy of Actuaries.
• Our actuarial analysis found that this transition could reduce MassHealth costs, Our actuarial analysis

Keywords: 995, all

Summary: The committee hearing covered a wide range of public health bills, with much of the testimony focused on two major themes: expanding access to care and stabilizing health-related workforces and services. On House 2364, an act relative to medical health and fitness facilities, representatives from Dedham Health and Athletic Club argued for a pilot program recognizing supervised exercise as medicine, saying it could improve outcomes for chronic disease, fall prevention, and mental health while reducing costs. On House/Senate bills concerning community health workers (H. 359/S. 251), multiple witnesses from MACHW, Health Care for All, MHA, Cambridge Health Alliance, Mass General Brigham, Boston Children’s Hospital, Asian Women for Health, and the City of Somerville described CHWs as essential for navigation, trust-building, language access, and addressing social needs, and urged reimbursement by MassHealth, the GIC, and private insurers, along with workforce development measures. One pediatric neurologist also told the committee that losing grant-funded CHW support led to more avoidable ER visits and threatened clinic operations. The committee also heard extensive testimony on hospital closures and essential services. Witnesses including Dr. Alan Sager, MNA President Katie Murphy, nurses from Brockton Hospital and Providence Behavioral Health, and local officials and legislators from Norwood described the loss of hospitals and service lines, especially maternity, pediatric, and behavioral health care, and argued current closure processes are too weak to protect communities. They supported bills such as H. 2460/S. 1503 and H. 2534/S. 1574, which would require earlier notice, community input, stronger state oversight, possible receivership, and limits on reopening or expanding after closures. Testimony emphasized the impact of Steward’s bankruptcy, the closures of Carney and Neshoba Valley, and the need to preserve access to essential services in underserved areas. Several end-of-life and professional regulation bills were also discussed. On H. 2436, Representative Omar Gomez and funeral industry witnesses supported eliminating Office of the Chief Medical Examiner fees for the removal of a child’s body in cases involving children five and under, describing the bill as a small but important relief for grieving families. On H. 2444 and related Senate bills, cemetery and consumer advocates supported legalizing alkaline hydrolysis and natural organic reduction as environmentally friendly after-death options, while cemetery representatives opposed H. 2360, which would allow funeral establishments to operate crematories, arguing cemeteries should retain that role. The committee also heard support for H. 2382, which would exempt dentists and oral surgeons from a new office-based surgical center framework, and for H. 2461, which would create hospital efficiency standards; employers and retailers backed that bill as a way to address rising health care costs. Finally, the committee heard testimony on autism services and hospital governance. On S. 1414, behavior analysts and school representatives said Massachusetts already licenses assistant-level ABA providers but MassHealth does not reimburse them, causing long waitlists and limiting school and family access; an actuary testified that a three-tier ABA reimbursement model could reduce MassHealth costs by up to 6% per child served. Senator Lovely also testified in support of S. 1572, which would require at least one registered nurse on each acute care hospital governing board, arguing nurses’ frontline perspective would improve quality and retention. No votes were taken in the hearing excerpt, but many witnesses urged favorable reports on their respective bills.

Transcript Highlights:

• In actuary, thank you. And thank you all for being here. Thank you.
• And then lastly, we know from the NORC study at the University of Chicago, and this is a national study
• New Mexico is currently conducting a rate study for its three waivers.
• The results of the current rate study should be available by the end of December.
• Rate studies are retrospective. The current rate study is based on FY 24 and 25 coverage.

Transcript Highlights:

• Responsible, actuarially responsible for those additional three days.
• We've done a lot of studying. We helped with the bill. We have no recommendations.
• It is specific to each group, and I did bring the actuarial study.
• Probably best done visually, but the actuarial study we submitted as part of the bill highlights that
• The actuarial study indicates it would not add to the unfunded liability."

Keywords: Meeting Start: 00:07 Attendance Roll Call: 00:13 Approval of Minutes: 02:28 2025 RS SB 9: TRS Leave Audit Requirements & Process: 03:05 2025 RS SB 10: Overview of Enacted Legislation & Discussion: 28:38 Adjournment: 42:13, 958, all

Summary: The meeting opened with roll call, a quorum was confirmed, and the minutes were approved. The committee then heard testimony on Senate Bill 9, which concerns TRS sick leave audit requirements and process. Auditor Allison Ball’s staff said the audit is an information-gathering review of how teacher sick leave is accumulated, current balances, how many employers use the sick leave function, and the policies and procedures governing sick leave. Members discussed how unused sick leave affects retirement calculations, the distinction between the state’s financial responsibility and school districts’ responsibility, and whether the audit would also examine related leave categories such as personal leave, annual leave, and leave of absence. Committee members emphasized that Senate Bill 9 was intended to add accountability and standardize reporting, including preventing annual leave from being rolled into sick leave. Several members asked for clarification on how sick leave is factored into retirement benefits. Witnesses and members explained that, under the system described, accumulated sick leave can be converted into retirement credit based on a teacher’s daily rate and then multiplied by a percentage, with the school district often bearing the cost. Members also noted nuances in the law, including different accumulation limits by hire date and tier, and that the audit may help the public better understand why some educators retire relatively young. The auditor’s office said it is still early in the process, has met with TRS leadership, and will report back once the audit progresses. The committee also asked whether maternity leave would be included; the auditor’s office said it was not specifically mandated but could be examined if the body requests it. The committee then received an overview of Senate Bill 10 from KPA representatives Ryan Barrow and Rebecca Atkins. They explained that the bill enhances retiree health insurance benefits for certain CRS members who are non-Medicare participants and meet specified career thresholds, with different rules for hazardous and non-hazardous service. They described the benefit as $40 per month per year of service for non-hazardous service and $50 per month per year for hazardous service, both inflated annually, and clarified that these amounts are not cumulative with prior benefit formulas. Members asked about the interaction between the new amounts and existing benefits, and the presenters explained that the bill also changes current employee health insurance contribution rates effective July 1, 2026, with different impacts by tier and hazardous status. The committee discussed the need for clear communication to affected employees and reviewed example calculations showing how the new contribution structure would work.

Transcript Highlights:

• they're staying employed, to go back and pick up those two years that they would like to get at an actuarial
• So I'm just trying to figure out between our actuary and you why, if we reverse this, we don't create
• Can I get our actuary to give me a little bit of a summary on this?
• Can I get our actuary to give me a little bit of a summary on this?
• One of the things that we absolutely are trying to get away from, and was very clear in the study group

Bills: HB17, HB21, HB24, HB41, HB42, HB45, HB1134, HB1237

Keywords: HB 17, District Attorneys' Retirement System, retirement system, reemployed retiree, reemployment, supplemental retirement benefit, service credit, benefit suspension, public retirement, district attorney, assistant district attorney, Louisiana District Attorneys' Association, employer reporting, annual report, retirement benefits, state employees, local funds, state funds, Municipal Employees' Retirement System, part-time retirees

Transcript Highlights:

• Washington State is doing a study.
• Madam Chair, have you done a study?
• Chair, Representative, we haven't done a study on reducing accidents.
• Madam Chair, Representative, they're doing a study.
• Is that an actuarially sound assumption, Madam Chair? That is not what I'm suggesting.

Transcript Highlights:

• Uh, I don't know whether they're included or not in their actuarial, but they're not in their actuarial
• Uh, I don't know whether they're included or not in their actuarial, but they're not in their actuarial
• It is being studied in House Commerce.
• know interim study from our perspective<04:17:37.040> interim<04:17:37.439> study<04:17
• saying that we're going to study saying that we're going to study something<04:18:40.720> doesn't

Keywords: 9:00am HB 155 9:30am HB 1102 10:30am HB 1109 11:00am HB 1356 11:30am HB 1469 1:00pm HB 1323 2:00pm HB 1376, 928, house, all

Summary: The meeting began with unanimous committee approval of amendment 2026-2021S to HB 2. Senator Lang explained the amendment corrected a drafting error so that $2.5 million in state funds, matched with federal money for a total of $5 million, could be spent during the biennium rather than lapse at the end of the fiscal year. The money is intended to stabilize Medicaid per diem rates for county nursing homes, and members agreed without objection to adopt the amendment and continue working from the bill as amended by the Senate. The committee then discussed HB 155 and a proposed amendment, 2026-201H, dealing with the business enterprise tax. The House side described the proposal as a compromise that would raise the filing threshold from $250,000 to $375,000 and create a trigger that would reduce the BET rate by 0.05% for each $100 million in combined business tax surplus, down to a floor of 0.25%. Senate members opposed lowering the rate at this time, arguing that tax relief should focus on the filing threshold, which they said would remove filing burdens for about 3,500 small businesses, and that rate cuts should be considered in a budget cycle rather than an off-year. Concerns were raised that one-time revenues, such as tax amnesty receipts or federal repatriation-related surpluses, could unintentionally trigger reductions. Representative Sweeney later offered a revised approach by moving the effective date of the trigger mechanism to January 1, 2028, and said he was also willing to carve out tax amnesty revenues or adjust the effective date to avoid using one-time funds. The Senate remained unwilling to agree to a rate reduction, though it expressed openness to raising the filing threshold further. The committee ultimately did not resolve the business tax issue and recessed to continue discussions at a later time. The final item discussed was HB 1102, concerning an increase in the research and development tax credit paired with changes to state park fees. House members supported the R&D credit increase but opposed tying it to higher park fees, citing concerns about tourism, especially at border parks, and noting that the Department of Natural and Cultural Resources had said it did not need the increase. Senate members defended the park fee changes as a fairness issue, arguing that New Hampshire residents should pay less than out-of-state visitors and that the department had not raised rates in many years. No vote was taken on this item during the discussion captured here.

Transcript Highlights:

• study.
• So it's the changes in the benefit in the intervening actuarial study that causes this number to be substantially
• c><00:35:54.640> causes<00:35:55.200> this actuarial study um that that causes this actuarial
• > for actuarial actuarial assumptions used for actuarial actuarial assumptions used for the<00
• So, the comment in the comment section, that last comment and the intervening actuarial study is really

Keywords: 928, house, all

Summary: The committee reviewed a handout comparing House Bill 2 to current retirement law and walked through the bill section by section with staff from the retirement system. The discussion focused on vesting, earnable compensation, average final compensation, compensation-over-base limits, special duty pay, normal retirement age, re-retirement, and maximum benefit rules for Group 2/Tier B members. Staff explained that some provisions would restore pre-2011 rules, including counting certain end-of-career payments such as unused sick and vacation time in earnable compensation and reducing the AFC averaging period from five years back to three. They also described how the bill would eliminate the current cap on compensation over base, which mainly affects overtime, and noted that the actuarial cost of the AFC-related changes is interrelated rather than easily broken out by feature. A separate discussion covered the special duty pay limitation, which currently applies to Tier A and would be removed under the governor’s bill for both Tier A and Tier B members after their vested buy date. Staff said the actuary estimated that removing the special duty limitation would increase costs by about $13.9 million. Members also asked about the practical difference between overtime and special duty, with staff explaining that special duty generally involves work for a private third party, often police detail work, while overtime depends more on staffing and scheduling. The committee also reviewed the normal retirement age changes for Tier B and the possibility that some members would need to work longer to reach the new vested buy date. Members raised concerns about an ambiguity in the bill that could allow already-retired Tier B members to return to work, then re-retire and claim the higher benefits, or allow vested deferred members to stop working and wait for the new vested buy date. Staff said the governor’s office did not intend to allow that result and requested clarifying language, noting that the bill as drafted does not expressly prohibit it. The committee also discussed part-time and seasonal work after retirement, with staff explaining that such work generally does not restore membership unless the person takes a full-time position requiring enrollment. Finally, the committee reviewed the maximum benefit provisions and noted that HB 2 in the current year does not change the maximum benefit date or include the 1.5% annual escalator that had been part of the 2023 proposal, making the current bill more costly than the earlier version.

Transcript Highlights:

• have had um three experience studies have had um three experience studies that<03:39:07.359>
• So we have, say, more than twice the amount of assets. actuarial studies and uh um the uh and actuarial
• It's a economic actuarial multiplied.
• years every experience study every four years every experience study every four years and<03:51:
• that was the number in the actuary that was the number in the actuary report<04:05:15.680> for

Keywords: 928, house, all

Summary: The Committee of Conference on HB 1 and HB 2 met to review revenue estimates and begin working through the HB 1 detail change sheet. New Hampshire Lottery Director Charlie McIntyre reported stronger-than-expected lottery performance, raising the current-year return estimate to $27 million and the next biennium estimate to $200 million, with the increase attributed to improved scratch ticket sales and sports betting not hurting revenue as much as expected. Members questioned the assumptions behind the higher estimates, including the impact of $50 scratch tickets and whether the figures accounted for future conversion from historical horse racing (HHR) machines to video lottery terminals (VLTs). McIntyre and committee members discussed machine counts, per-day revenue assumptions, and the likelihood that VLT conversion would increase revenues over time, though the timing and pace of conversion remained an open question. The committee also discussed several gaming-related policy items in HB 2, including changes to kino hours and local option games of chance, and noted that the Senate and House differed on how gaming revenues would be allocated between charities, education, and general funds. Members emphasized that revenue projections should remain conservative because operators, not the state, would control the pace of machine conversion. Representative Sweeney noted that operators could earn more per machine under the VLT model, and McIntyre said the new facilities and expansions were largely concentrated near the Massachusetts border. The committee then moved to the HB 1 detail change sheet. It agreed to Senate position on the Department of Safety’s road toll bureau and international registration program changes, which were described as a zero-cost realignment of positions, and held the Department of Corrections section for later discussion. On the judicial side, members approved a technical footnote fix, but held a new contract counsel item for involuntary mental health admissions and deferred discussion of the public defender program increase. The committee also noted no change for the PE development authority, moved safety rest area funding from HB 2 into HB 1 with no additional cost, and flagged the tourism development fund and other judicial items as issues that may depend on overall available revenue.

Transcript Highlights:

• Has there been an actuarial study to show that we believe that the assumptions in the spreadsheet are
• And, um, or an actuarial study before this goes into place?
• Has there been an actuarial study to show that we believe that the assumptions in the spreadsheet are
• We need to do an actuarial study to look at other factors maybe.
• We need to do an actuarial study to look at other factors maybe.

Keywords: 1187, senate, all

Transcript Highlights:

• What the substitute for this bill does is just require TRS to conduct a study to determine the feasibility
• And carrying out finance commission responsibilities relating to the financial services study.
• So, there will be no negative actuarial impact.
• The bill also requires the unfunded actuarially accrued liability to be determined. using an expected
• Most studies show cash costs more to handle than it does to do a credit card transaction.

Bills: HB245, HB700, HB2783, HB3526, HB3900, HB4061, HB4124, HB4166, HB4395, HB4534, HB4609, HB4641, HB4736, HB4738, HB4739, HB4945, HB5015, HJR175, HB245

Keywords: military service, retirement, law enforcement, custodial officer, Employees Retirement System, commercial financing, brokers, registration, disclosures, finance, consumer protection, fees, deferred compensation, automatic participation, county employees, payroll deductions, retirement plans, fiscal transparency, local government, bond issuance

Transcript Highlights:

• In fact, studies and reporting from the New York Times show that many small retailers now pay tens of

Bills: HB245, HB245, HB700, HB2783, HB3526, HB3900, HB4061, HB4124, HB4166, HB4395, HB4534, HB4609, HB4641, HB4736, HB4738, HB4739, HB4945, HB5015, HJR175

Keywords: property tax, delinquent taxes, ad valorem, penalties, interest cap, military service, retirement, law enforcement, custodial officer, Employees Retirement System, commercial financing, brokers, registration, disclosures, finance, consumer protection, fees, deferred compensation, automatic participation, county employees

Transcript Highlights:

• <00:05:11.759> and<00:05:11.919> help college women to study and help college women
• to study and help alleviate<00:05:12.720> problems<00:05:13.039> concerning<00:05:13.520
• Now, we always pay what the actuaries say we need to pay as far as the state contribution every year,
• The actuaries hadn't counted on that.
• The actuaries hadn't counted on that.

Keywords: 920, all

Summary: The Senate convened with a quorum, approved excusing absent members, dispensed with the previous day’s journal, and allowed bill introductions and committee reports throughout the day. Members also recognized guests in the gallery, including Judge Smitherman and later Karen Butler, wife of Senator Tom Butler. The chamber adopted Senate Joint Resolution 11, honoring Alpha Kappa Alpha Sorority Incorporated on its Founders Day and 118 years of service, after reading the resolution at length and hearing brief remarks from Senator Figures. The Senate then adopted the Rules Committee’s special order calendar and took up several bills. Senate Bill 12 by Senator Gudger, repealing a prior community development districts law tied to a Coleman County project, passed. Senate Bill 19 by Senator Livingston, dealing with health insurance/prostate cancer screening, also passed. Senate Bill 89 by Senator Sessions, repealing the 1931 State Pilotage Commission statute, passed; Senate Bill 134 by Senator Beasley, concerning taxation and interstate warehousing of tobacco products, passed after a committee amendment was adopted; Senate Bill 100 by Senator Kelly, extending the State Board of Pharmacy sunset for one year with appointment changes, passed; Senate Bill 114 by Senator Bell, expanding Alabama’s handling of out-of-state warrants to additional felonies, passed; Senate Bill 122 by Senator Stewart, regarding the State Board of Registration for Foresters, passed; Senate Bill 35 by Senator Kitchens, updating vessel registration language for Coast Guard compliance, passed; and Senate Bill 127 by Senators Coleman-Madison and Stewart, continuing the Board of Examiners in Counseling for four years, passed. Senate Bill 28 by Senator Elliott, which would raise the earnings cap for retired law enforcement officers and district attorneys returning to work and address school bus driver staffing, was discussed at length but carried over at the sponsor’s request. Senators raised concerns about the bill’s impact on RSA/retirement system funding and the possibility of broader pressure for similar retiree reemployment arrangements, while supporters emphasized staffing shortages, training savings, and benefits for schools and public safety. The session concluded with the calendar completed and a new resolution introduced by Senator Orr recognizing the 250th anniversary of the United States Postal Service, which was taken up for immediate consideration and adopted.

Transcript Highlights:

• and the company's actuaries about what experience they're having.
• A rate filing is about between 1,500 and 2,500 pages long of hard actuarial data.
• We have a team of actuaries that spend every second they can to look at it.
• I do believe that there's a place for the market conduct studies.
• I would suggest that market conduct studies could be a lot more transparent.

Summary: The subcommittee held its first meeting on homeowners property insurance, with members from both parties introducing themselves and repeatedly noting that insurance affordability, roof condition, claims handling, and storm recovery are top concerns for their districts. Chair Yeager said the meeting was intended as an educational discussion rather than a legislative debate, and introduced a panel that included Insurance Commissioner Mike Yaworski, consumer Chad Carr, agent Mary Catherine Lawler, insurer executive Melissa Burt DeVries, and policyholder attorney Chip Merlin. The panel and members discussed major cost drivers in Florida homeowners insurance, including inflation, home age, roof age, mitigation features, claims history, litigation costs, reinsurance, and the Florida Hurricane Catastrophe Fund. Commissioner Yaworski said underwriting has become more sophisticated and that litigation costs, reinsurance, and replacement-cost inflation all affect premiums; he also said litigation is down about 30% and average requested rate increases have fallen from about 22.1% in 2022 to 0.8% today. DeVries said age of home, replacement cost, roof age, and coverage choices can materially change premiums, and explained that reinsurance is a major expense passed through to consumers. Merlin emphasized transparency concerns, argued that insurers are increasingly individualizing risk, and said consumers often struggle with coverage limits, deductibles, and claim denials. Members asked about flood coverage, hurricane deductibles, managed repair programs, mitigation credits, new insurer capitalization, and whether savings from reforms are reaching consumers. Yaworski explained that flood is generally excluded from homeowners policies and covered separately, that hurricane deductibles are mandatory in Florida and usually around 5%, and that the office tracks savings from reforms through rate filings and insurer discussions. He said the state is updating mitigation discounts and monitoring new entrants closely for solvency and market conduct. Several members and panelists said recent reforms have helped reduce some abuses and litigation, but many consumers are still seeing higher premiums because replacement costs and reinsurance remain elevated. No votes or formal actions were taken.

Transcript Highlights:

• The HHSC has actuaries, independent actuaries that set our premiums.
• Some studies suggest no.
• Some studies suggest no.
• Other studies, a U.S.
• Other studies, a U.S.

Keywords: 1185, senate, all

Transcript Highlights:

• The F.I.R. also states that the name of the study should be changed to State Agency Arthropod... ...study
• I would normally have my chief actuary here, Dr.
• There's a reason for it: they have to put a limit out there in order to actually make it actuarially
• We also recognize the fact that FEMA... ...to actuarially make it sound in some way.
• Madam Chair, Senator, what we were talking about is we have a wildfire study that we're undertaking,

Bills: SB154, SB187, SB193, SM3

Keywords: insurance, wildfire, flood damage, natural disasters, property coverage, water projects, appropriation, New Mexico, finance authority, infrastructure, New Mexico Finance Authority, funding, SB193, acequia, community ditch, irrigation works construction fund, water infrastructure, ditch infrastructure, irrigation, New Mexico water law

Transcript Highlights:

• Um also from TRA's actuary uh year.
• <00:18:48.880> acred increase the unfunded actuarial acred increase the unfunded actuarial
• <00:18:59.120> actuarial<00:18:59.840> acred the unfunded actuarial actuarial acred
• the unfunded actuarial actuarial acred liability<00:19:00.960> by<00:19:01.280> approximately
• We need to go forward another study.

Keywords: 1187, senate, all

Transcript Highlights:

• Do a study on the cost analysis benefit.
• You want to have a biobank which has tissue because I want to study the genes.
• Southwestern and Dallas and you've got your data and your studies and your publications and then at MD
• actuarial services for the system.
• And they are participating in those studies, those clinical trials, because that might be their only

Keywords: 1184, house, all

Transcript Highlights:

• Our actuaries will get with their actuaries.
• So the the average, but we have great house of actuaries on staff that will basically break into that
• The actuarial basis varies from company to company based on their own financial situation of the time
• Actuaries get it right. It was right as they can year. They're not.
• You can't have the talent you need making for this kind of actuarial analysis work.