Daniel Perlman
FSA, MAAA
Consulting Actuary
Denver, CO, US
Dan Perlman is a consulting actuary with Milliman's Health Practice. He is located in Denver, Colorado, and joined the firm in 2009.
Experience
Dan’s experience includes supporting carriers with commercial product pricing and rate filings, financial modeling, and risk adjustment, and helping plan sponsors comply with the Mental Health Parity and Addiction Equity Act. Dan assists clients with understanding the implications of emerging issues in healthcare reform.
His recent work has focused on product pricing for individual and small group plans and dental carriers. Dan has also assisted carriers with financial projections, especially with risk-based capital requirements.
Dan provides conceptual and technical support in the development of Milliman’s Medical Underwriting Guidelines™ and Milliman Advanced Risk Adjusters.
His past work also includes analysis in support of academic research focused on the use and value of pharmaceutical treatments.
Publications and Presentations
- Cochran, B.N., A. Flentje, N.C. Heck, J. Van Den Bos, D.J. Perlman, J. Torres, R. Valuck, & J. Carter (2014). Factors predicting development of opioid use disorders among individuals who receive an initial opioid prescription: Mathematical modeling using a database of commercially-insured individuals. Drug and Alcohol Dependence; May;138: 202-208.
- Perlman, D. & J. Van Den Bos (2010). Medical claims database analysis of off-label prescribing: Examining off-label use by highly prescribed drugs reveals factors that differ from the usual criticism of such usage. Pharmaceutical Commerce.
- Melek, Steve, Michael Halford, & Daniel Perlman (2012). “Depression treatment: the impact of treatment persistence on total healthcare costs,” Milliman research report, June 2012. http://publications.milliman.com/publications/health-published/pdfs/depression-treatment.pdf
- Van Den Bos, Jill, Daniel Perlman, & Steve Melek (2012). “Wyoming Medicaid Expansion Analysis,” September 5, 2012. www.health.wyo.gov/Media.aspx?mediaId=12891 (report also presented to meeting of Wyoming General Assembly’s Joint Labor, Health, and Social Services Committee, November 12, 2012, Casper, Wyoming).
Professional Designations
- Fellow, Society of Actuaries
- Member, American Academy of Actuaries
Education
- A.B., Economics, University of Chicago, IL
Publications
Read their latest work
Article
A new issue of interest for ACA risk adjustment payers and recipients
03 January 2024 - by Daniel Perlman
Market interest rates could impact premium for health insurance issuers making large risk-adjustment transfers, due to a time lag after the plan period ends.
Article
Year-end health actuarial work: Five things to consider in light of COVID-19
13 November 2020 - by Catherine M. Murphy-Barron, Doug Norris, Daniel Perlman
As chief financial officers and actuaries attempt to determine the pandemic’s impact on year-end financial statements, this article describes five issues that require additional attention.
Article
The Transparency in Coverage proposed rule
07 May 2020 - by Daniel Perlman
The Transparency in Coverage proposed rule is a reaction to the current opacity of healthcare pricing to most people.
Article
An overview of the CMS Quality Rating System for QHPs
01 November 2019 - by Dustin Grzeskowiak, Darin Muse, Daniel Perlman
There may be some uncertainty for plans and consumers alike around the Quality Information Rating Bulletin—specifically, what the quality scores represent, how they are developed, and/or how they may be used now or in the future.
Article
Addiction and mental health vs. physical health: Analyzing disparities in network use and provider reimbursement rates
30 November 2017 - by Stoddard Davenport, Stephen P. Melek, Daniel Perlman
As state and federal regulators increase their focus on the enforcement of mental health and addiction parity laws, nonquantitative treatment limitations have emerged as a key trouble area for some health plans.
Article
Impact of Mental Health Parity and Addiction Equity Act
22 November 2017 - by Stoddard Davenport, Michael Mager, Katie Matthews, Stephen P. Melek, Daniel Perlman
What has happened to utilization and costs for mental health and substance use disorder benefits as the mental health parity laws and associated rules were slowly rolled out?
Article
Nonquantitative treatment limitations in the spotlight
26 October 2017 - by Stoddard Davenport, Katie Matthews, Stephen P. Melek, Daniel Perlman
Nonquantitative treatment limitations continue to be a source of difficulty for many health plans in attaining compliance with the Paul Wellstone and Pete Domenici Mental Health Parity and Addiction Equity Act of 2008.
Article
How the Cures Act affects parity of behavioral health services
28 December 2016 - by Daniel Perlman
Article
Financial analysis of ACA health plan issuers
19 February 2016 - by David M. Liner, Daniel Perlman
This paper summarizes 2014 risk mitigation estimates with actual amounts published by the Center for Consumer Information and Insurance Oversight.
Article
Transitional reinsurance at 100% coinsurance: What it means for 2014 and beyond
24 June 2015 - by Hans Leida, Doug Norris, Daniel Perlman
The 2014 transitional reinsurance program will have a coinsurance rate of 100% rather than 80%, and this has implications for the final 2014 financial results of issuers of individual and small group market plans that comply with the Patient Protection and Affordable Care Act.