Article by Tia Goss Sawhney

Abstract:
The author proposes a new framework for individual health insurance underwriting and briefly describe the application and underwriting process changes necessary to implement the new framework.

Article by Tia Goss Sawhney

Abstract:
If we pull the emotions out of health insurance, which is admittedly hard to do even for the author, and look at health insurance from the economic perspective, there are several insights from auto insurance that can illuminate the design, risk selection, and rating of health insurance. This article explores those insights.

Article by Tia Goss Sawhney

Abstract:
This article enumerates some of the reasons for the discrepancy in purchase rates between auto insurance and individual health insurance. It then looks to the auto insurance market for insights as to how more people could be covered under in the individual health insurance market.

Article by Tia Goss Sawhney

Abstract:
The author asserts that there is a quantum leap with respect to the quality, consistency, and the speed of life and health insurance industry underwriting decisions if the industry would 1) eliminate paper-based risk assessment questions and 2) dramatically redesign the teleinterview and internet-based data collection processes so that they collect and use primarily databased, structured data.

Article by Tia Goss Sawhney

Abstract:
This article will provide readers with a primer on the mechanics of the algorithms underlying today’s prescription drug risk assessment tools. By pointing to specific scenarios where the tools produce illogical results, the author will then discuss some of the most obvious shortcomings of these tools. Finally, the author will describe how underwriters, medical directors, and statisticians could work together to improve the tools.

Article by Simmi P. Singh and Tia Goss Sawhney

Abstract:
This article predicts that savvy health insurance companies will use of predictive analytics in the individual health insurance market to better predict health care costs and to target and market accordingly, allowing them to sell a disproportionate amount of business and earn superior returns due to better alingment between premiums and costs. The article defines predictive analytics and describes some of the says predictive analytics is and can be used in the individual health insurance setting.

Article by Tia Goss Sawhney, Alam Singh, and Richard Moyer

Abstract:
This article explores the way that health insurers and managed care companies globally are using IT and helps the reader understand some of the possibilities for predictive analysis in the near future in India.