With the enactment of the Patient Protection and Affordable Care Act (PPACA) and the Health Care and Education Reconciliation Act, which made a number of adjustments to PPACA, attention now shifts to the implementation phase of health care reform.

The Academy's Health Practice Council has established a number of work groups charged with providing input on implementation of a variety of provisions in the new law. Actuaries bring a unique perspective that is crucial to the development of workable health care reform regulation. On this page, you will find links to HPC comment letters related to the various provisions included in PPACA, as well as other resources related to the new law and its implementation.

Please bookmark this page and check back with us frequently. As implementation proceeds, we'll be updating and adding information regularly.

The Academy's Critical Issues in Health Reform series and other documents related to the health care reform dialogue can still be found on the Health Reform Now page.

Accountable Care Organizations (ACOs)
Actuarial Value
Consumer Operated and Oriented Plan Programs (CO-OPs)
Early Retiree Reinsurance Program
Grandfathering Provisions
Medical Loss Ratio Reporting and Rebates
Near-term Benefit and Eligibility Changes
Premium Review
Risk Adjustment, Reinsurance and Risk Corridors

Newly Released Documents

Exposure Draft of the PBR Review Procedures Work Group practice note on risk-focused examinations. Comments are due to the Academy by July 1, 2019.
(April 2, 2019)
Life Illustrations Work Group letter addressing questions raised by the NAIC's IUL Illustration (A) Subgroup. (March 8, 2019)
RBC Tax Reform Work Group comment letter to NAIC Life Risk-Based Capital Working Group on their exposed guidance document on the interpretation of 2018 Life Risk-Based Capital Results.  (February 19, 2019)
Life Reserves Work Group comment letter to the Life Actuarial (A) Task Force regarding exposed APF 2019-04, which seeks to provide clarification for expense allowance formulas for universal life with secondary guarantee (ULSG).  (February 19, 2019)
Life Experience Committee comment letter to Life Actuarial (A) Task Force on questions raised during the NAIC Fall 2018 National Meeting rearding the current process used to develop the AG38 and VM-20 annual mortality improvement scale recommendations. (February 19, 2019)
Life Illustrations Work Group practice note assisting actuaries in performing professional services in compliance with ASOP No. 24 and providing information to actuaries on current or emerging practices. This practice note has been updated to reflect implication from the 2017 passage of the Tax Cuts and Jobs Act.  (February 15, 2019)
Role of the Actuary Subgroup comment letter to NAIC on the use of the terms "actuary" and "qualified actuary" in draft revisions to VM-21.  (February 13, 2019)
Life Reinsurance Work Group comment letter to NAIC on APF 2018-58, which provides guidance for determination of future nonguaranteed yearly renewable term reinsurance rates under VM-20.  (January 31, 2019)