Hans Leida

Hans works in health insurance. He has consulted to the full gamut of risk-bearing entities, including traditional insurers, managed care plans, healthcare providers, government health programs, and employers. He has also supported stakeholders by modeling and providing strategic advice around the likely effects of potential healthcare reforms. Hans has been quoted in the media on healthcare reform in publications such as The Wall Street Journal, Reuters, Bloomberg Businessweek, and Modern Healthcare.

Hans has completed many projects involving individual and group health insurance strategy, pricing, and rate filings. In 2007, he co-authored a paper for America’s Health Insurance Plans (AHIP) on the impact of guaranteed issue and community rating laws adopted by certain states in the 1990s. That paper, which was updated in 2012, has been widely cited with the advent of federal healthcare reform, most notably by the chief justice of the United States Supreme Court in his majority opinion for the case upholding premium subsidies in federal exchange states (King v. Burwell).

Hans co-authored the third edition of Individual Health Insurance. This textbook has been on the Society of Actuaries’ exam syllabus for many years. Hans also completed a major study commissioned by the SOA examining the first decade of results under the Affordable Care Act.

Hans is a recognized expert on risk adjustment and predictive modeling of healthcare costs. He helped develop and currently helps manage the Milliman Advanced Risk Adjusters™ (MARA™) software product, which leads the industry in predictive accuracy.

More recently, Hans has helped develop first-of-their-kind investment products that seek to meet or exceed healthcare trends as measured by Milliman’s Health Trend Guidelines, while managing drawdown risks. These products can help companies and people everywhere better hedge their future healthcare cost increases.

Hans has also worked for many years with Medicare Advantage, Medicare Cost, and Medicare supplement plans. This work has included product development, strategy, bid development and certification, and risk adjustment support.

Prior to joining the firm, Hans taught mathematics while pursuing his PhD. He also performed research and co-authored a book with the support of a grant from the National Science Foundation.