This insurance actuary serves as an expert witness with more than 20 years of experience, with an emphasis in health insurance, including deposition testimony, courtroom testimony, and litigation consultations. Their work centers on actuarial analysis of insurance coverage, claims, and benefit structures, with a focus on financial evaluation and rate development in health and related insurance products. Professional experience includes actuarial roles in insurance organizations and continued actuarial consulting practice involving insurance and healthcare financial systems.

The expert’s actuarial practice includes development, pricing, and rerating of medical, accident, and health insurance products, along with critical illness, long-term care, term life, and dental and vision plans. Their work also involves small group rate filings, competitive rate and benefit studies, and policy form development with associated regulatory submissions. Financial reporting and projections are addressed across GAAP, statutory, tax, and management frameworks, including reserve determinations for insurance claims and contract liabilities. Additional experience includes health rate review for state and federal regulatory programs, including ACA, Medicare, and Medicaid filings, as well as actuarial support to state insurance departments in financial examinations.

Their experience includes involvement with the California Department of Managed Healthcare, Centers for Medicare & Medicaid Services, California Department of Insurance, Society of Actuaries, and American Academy of Actuaries in connection with rate filings, regulatory reviews, and healthcare policy analysis. Contributions include participation in actuarial work groups evaluating capital requirements for health insurance structures and authorship of research related to incurred but not reported methods. Professional credentials include Fellow of the Society of Actuaries and Member of the American Academy of Actuaries. Educational background includes a Bachelor of Arts in Mathematics with a minor in Computer Science.