Health Solvency Subcommittee
The Health Solvency Subcommittee analyzes solvency issues at the state level, including the NAIC risk-based capital formulas, emerging NAIC principle-based requirements, and individual state rules. In addition, the work group follows emerging international requirements and federal regulation of insurance companies, in relation to what effect they have on solvency requirements.
Chairperson:
Steve Guzski
Members:
Kenneth Clark
Andrew Gottschalk
Nidhl Joshi
Jeffrey Murr
Glen O'Halleran
Bradley Paulis
F. Kevin Russell
Nilabh Sanat
Zachary Smith
Erik Wheeler
Andrew Gottschalk
Nidhl Joshi
Jeffrey Murr
Glen O'Halleran
Bradley Paulis
F. Kevin Russell
Nilabh Sanat
Zachary Smith
Erik Wheeler
Related Publications
Health Work Group Sends H2 Final Report to NAIC
The Health Solvency Committee’s Health Underwriting Risk Factors Analysis Work Group sent the final H2—Underwriting Risk Component and Managed Care Credit Calculation in the Health...
Topics: Actuarial Standards NAIC
Date Published: 04/24/2025
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Update to the NAIC HRBC (E) Working Group on the Current and Proposed H3 Factors
Health Care Receivables Factors Work Group member David Quinn provided an update to the NAIC’s Health Risk-Based Capital (E) Working Group on the current and proposed H3 Factors.Date Published: 11/08/2023
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Comments to NAIC on Stop-Loss Calibration of Risk Factors
Stop-Loss Work Group comments to the NAIC’s Capital Adequacy (E) Task Force concerning calibration of risk factors in the Stop-Loss Factors Report.
Topics: NAIC
Date Published: 05/09/2017
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Report to NAIC on Stop Loss Factors
Stop Loss Factors Work Group report to the NAIC Health Risk-Based Capital (RBC) Work Group (E) reviewing the RBC formulas currently used for medical excess of loss business.
Topics: NAIC Risk-Based Capital
Date Published: 11/14/2016
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Work Group report to NAIC’s Health Risk Based Capital (E) Work Group
Health Care Receivables Factors Work Group recommendation on credit risk factors for health care receivables to the NAIC’s Health Risk Based Capital (E) Work Group.
Topics: NAIC
Date Published: 04/15/2016
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Presentation to FSOC on Regulatory Capital Requirements for U.S. Insurers
Academy Senior Life Fellow Nancy Bennett and Senior Casualty Fellow Jim MacGinnitie presentation to the Financial Stability Oversight Council (FSOC) on regulatory capital requirements for U.S....
Topics: Casualty
Date Published: 12/11/2015
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Response Letter to NAIC on Health Solvency Concentration Risk Model
Health Solvency Work Group response letter to questions raised by the NAIC's Health RBC Working Group regarding the HSWG's model that examines administrative expenses within the context of business...Date Published: 10/18/2013
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Work Group Presents New Guidelines for Health Care Receivables
Health Care Receivables Factors Work Group presentation on the NAIC Health Annual Statement's new Exhibit 3A, which provides guidelines for health care receivables.
Topics: NAIC
Date Published: 09/24/2013
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Updated Proposal to NAIC on Health Care Receivables
Health Care Receivables Factors Work Group letter to the NAIC's Health Risk-Based Capital Working Group providing recommendations for receivables factors for the current RBC formula.
Topics: NAIC Risk-Based Capital
Date Published: 01/08/2013
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Letter to NAIC on Health Receivables
Health Care Receivables Factors Work Group letter to the NAIC on a revised proposal providing recommendations for receivables factors for the current RBC formula.
Topics: NAIC
Date Published: 01/07/2013
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Letter to NAIC on Health Care Receivables Factors
Letter from the Health Care Receivables Factors Work Group's Health RBC Working Group providing recommendations to receivables factors for the current RBC formula.
Topics: NAIC
Date Published: 11/16/2012
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Comments on Impact of Stop-Loss Insurance Under ACA
Stop-Loss Work Group comments to the Employee Benefits Security Administration regarding stop-loss insurance and the Affordable Care Act (ACA).
Topics: Benefits
Date Published: 07/02/2012
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