Howard has worked in actuarial consulting since 2005 and has extensive experience with the following:

• Developing and evaluating risk contract frameworks and parameters between payers and providers for all lines of business: commercial, Medicare, and Medicaid programs.
• Constructing financial performance projections for health systems. Includes combining fee-for-service and risk revenue to evaluate the necessary assumptions to meet revenue/market targets. Considers quantifying any reimbursement discounts to provide higher profit margin/enrollment for the ACO/health plan.
• Health plan start up assistance, including developing insurance department required financial documents as well as developing required reserve calculations and estimates for administrative costs.
• Actuarial and financial data analytics and support for payers, provider groups and ACOs.
• Assessing and quantifying care management opportunities.
• Developing ACO reporting to provide ongoing monitoring of performance and year-end settlement validations.
• Creating and supporting health data warehouses.
• Developing and accessing performance of risk adjustment methodologies.

Prior to joining Milliman, Howard worked at a large employee benefits consulting firm and started a health claims data warehouse company. Howard was responsible for creating, building, and maintaining the warehouse and providing expert actuarial and IT advice to clients.