I am retired now but was an actuary who practiced in the healthcare and health insurance industry for over 40 years. I have served as the chief actuary for managed care plans and Blue Cross and Blue Shield plans and was the author for a paper on developing rates for PPO plans in the Transaction, Society of Actuaries. I recently served on the Health Section Council for the SOA. I have served a broad range of clients including insurance companies, managed care plans, employers, hospitals, physician organizations and employee trusts. I have helped develop rating policies, underwriting policies, management systems, performed rate reviews for insurance departments (was successful in aiding an insurance department in reducing a rate increase by over $100 million as an example of results). I am also very familiar with the ACA (Obamacare) law passed in 2010.I served on the boards of GHI, Inc. (a holding company) and Surety Life Insurance Company from 2015 through 2020 and was chairman of the audit and investment sub-committee for Surety. I am currently on the board of the REACH Healthcare Foundation and was recently elected Treasurer and chairman of the Finance Committee.