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Health Insurance Underwriting Cycle: Effect on Health Plan Premiums and Profitability (PDF)
Milliman USA in HospitalConnect.com 
Apr. 24, 2003
44 pages. Excerpt: Competition, legislation, regulation and difficulty predicting future costs are all contributors to the phenomenon called the underwriting cycle-- a repeating pattern of gains and losses within the insurance industry.... The Federation of American Hospitals and the American Hospital Association commissioned Milliman USA (Milliman) to prepare a report that would discuss this cycle and its impact on health insurance premiums from a national perspective.
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