United Health Actuarial Services, Inc. (“UHAS”) and its predecessor practice were founded over sixteen years ago with the goal of providing quality independent health actuarial services at a reasonable cost.
As a team of actuarial experts and support staff, UHAS provides health actuarial, management, and underwriting consulting services for a wide range of individual and group medical and supplemental insurance products and health & welfare actuarial and benefits consulting for both fully-insured and self-insured plans.
Our experience covers all actuarial functions including product development, pricing, rate review, experience analysis, filing development and support, valuation, compliance and financial reporting, and network development and pricing. The actuaries involved in these activities routinely manage complex and diverse projects and develop statistics, metrics, benchmarks, and models for testing rate adequacy and determining justifiable rate increases, measuring product financial performance, forecasting, and analyzing trends.
The employees of UHAS share a passion for serving our clients. We believe in prompt, courteous service and enjoy building relationships with our customers. Strong lines of communication are crucial to having a successful engagement, and UHAS has sought to employ professionals who foster this approach in addition to their actuarial expertise. Furthermore, the culture at UHAS promotes a close-knit, family-like, working environment where teamwork and client satisfaction are valued above all else.
Though not as large as some firms, we believe our lean structure has its advantages, namely:
- Easy access to our actuaries and principal owner;
- Tighter control over the quality of services;
- A streamlined business model that allows for lower charges to our clients.
We provide services for the following types of clients:
- Consulting firms
- Employer groups
- Government entities
- Health plans/HMOs
- Insurance companies
- Insurance marketing/sales organizations
- Law firms
- Lenders and capital firms
- Managing general underwriters (MGUs)
- Medical device companies
- Multi-employer groups
- Networks and managed care organizations
- Providers (e.g. hospital systems, physician groups, etc.)
- Provider-owned health plans
- Reinsurance companies
- Third-party administrators (TPAs)
We serve our clients in many capacities, ranging from one-time projects to long-term arrangements where we serve as a client’s actuarial department and as part of their management team. We are happy to provide services anywhere in this continuum, complementing any existing company resources.
UHAS is headquartered in Carmel, Indiana, but many of our credentialed actuaries work remotely from various parts of the country.