Health examination: what’s next in health insurance?

As someone who's navigated the world of health insurance for over four decades, I've seen firsthand how our field is evolving. Today, health actuaries are dealing with the dual pressures of rising medical costs and an ageing population. We're seeing a shift toward value-based care models and more flexible insurance products—approaches that really aim to serve people where they are. At the same time, AI and advanced analytics are changing how pricing and management happen behind the scenes. For those of us working in health and Medicare insurance, keeping up means blending our tried-and-true technical expertise with a willingness to adapt and think strategically. It’s all about staying agile so we can continue to guide our clients through these changes with confidence.