Vanner’s Perspective

Large Numbers, Risk Pooling and Adverse Selection

As legislators continue to repeal and replace the ACA, they look for new ways to separate portions the insurance markets into different segments. Some efforts counter actuarial and insurance principles: segmenting the risk pool increases volatility and that creation of different risk pools based on health status and effect premiums

Retirement Patterns: are Workers Outsmarting the Experts?

An increasing number of workers are choosing to stay in the workforce – many on a part-time basis. In effect, these workers have created their own phased retirement program. This ongoing employment contributes to retirement income adequacy and can be viewed as a key part of solving the challenges posed by past errors (such as low savings and insufficient diversification).

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