Professional Papers & Essays

Writings

Over 15 years of actuarial practice in healthcare — published papers, SOA research, and essays on the ideas that shaped my thinking.

Actuarial Research

2024
Simplifying Risk Adjustment

Complex models don't outperform simple ones at the health plan level. A deep analysis using AHRQ MEPS data showing that a 12-question health status survey can be as accurate as full HCC diagnosis models — with far lower administrative costs.

risk-adjustmenthealthcaremethodology
2016
Risk Scoring Primer

A Society of Actuaries publication providing a comprehensive overview of risk scoring fundamentals, adjustment frameworks, data requirements, and model validation. Co-authored with Geof Hileman and Margorie Rosenberg.

risk-adjustmentsoahealthcare
Oct 2013
Health Watch: Nontraditional Risk Adjustment

Published in the SOA Health Watch newsletter — exploring social determinants of health and non-clinical variables as potential inputs to risk adjustment models.

risk-adjustmentsdohsoa
Jul 2013
Non-traditional Variables in Risk Adjustment

An earlier analysis of how behavioral, socioeconomic, and geographic data could improve the predictive accuracy of risk adjustment models without increasing coding burden.

risk-adjustmentdata-sciencehealthcare
2012
Uncertainty in Risk Adjustment

Risk adjustment models are presented with false precision. This paper examines the inherent uncertainty in risk scores and what it means for payment accuracy and policy design.

risk-adjustmentuncertaintyactuarial
2011
Healthcare Exchange Complexity Model SOA Prize · $10k

Winner of the Society of Actuaries research prize. A complexity modeling approach to healthcare exchanges that anticipated many of the design challenges seen in ACA implementation.

healthcarecomplexity-modelingacasoa
2010
On Counting, Modeling, & Beans

An exploration of measurement fundamentals in actuarial modeling — when precision is illusory, and what we're really doing when we "count" in complex systems.

actuarialmethodologyphilosophy
2007
Comparative Analysis of Risk Models

An early career comparison of the major risk adjustment methodologies — DCG/HCC, ERG, ACG — with empirical performance data across commercial and Medicare populations.

risk-adjustmenthccmedicare

Essays

Essay
Technology and Society

Reflections on digital transformation — how technology reshapes not just what we do, but how we think, connect, and find meaning.

technologyphilosophysociety
Review
Book Review: The Black Swan

Nassim Nicholas Taleb's Black Swan had a profound impact on how I think about risk. A review of the ideas that stuck — and the ones I push back on.

uncertaintyriskphilosophy