US Healthcare’s Equity Barrier: An Analysis of Neighborhood and Built Environment Impacts on Health Outcomes

Description

Many would contend that the United States healthcare system should be moving towards a state of health equity. Here, every individual is not disadvantaged from achieving their true health potential. However, a variety of barriers currently exist that restrict individuals

Many would contend that the United States healthcare system should be moving towards a state of health equity. Here, every individual is not disadvantaged from achieving their true health potential. However, a variety of barriers currently exist that restrict individuals across the country from attaining equitable health outcomes; one of these is the social determinants of health (SDOH). The SDOH are non-medical factors that influence the health outcomes of an individual such as air pollution, food insecurity, and transportation accessibility. Each of these factors can influence the critical illnesses and health outcomes of individuals and, in turn, diminish the level of health equity in affected areas. Further, the SDOH have a strong correlation with lower levels of health outcomes such as life expectancy, physical health, and mental health. Despite having influenced the United States health care system for decades, the industry has only begun to address its influences within the past few years. Through exploration between the associations of the SDOH and health outcomes, programming and policy-making can begin to address the barrier to health equity that the SDOH create.

Date Created
2023-05
Agent

Overview of Autonomous Vehicles with an Analysis of the Impact on Liability Insurance

Description
This thesis explores the progress of autonomous vehicle technology, regulation, and deployment. It also studies how autonomous vehicles will affect auto insurance, in particular how liability coverage will change and how liability premiums for autonomous vehicles will be different from premiums for traditional vehicles.
Date Created
2022-12
Agent

The Impacts of Autonomous Vehicles
With a Focus on Collision Coverage

Description
This report describes the technology, benefits, and deployment of autonomous vehicles and how they are expected to impact the insurance industry, specifically collision coverage policies. A pure premium trend analysis is done to come up with a realistic prediction of

This report describes the technology, benefits, and deployment of autonomous vehicles and how they are expected to impact the insurance industry, specifically collision coverage policies. A pure premium trend analysis is done to come up with a realistic prediction of how the frequency and severity of vehicle collisions will change over time. Two additional scenarios are done to address the fact that there is still uncertainty surrounding the timing of the implementation of AVs. Lastly, the risks that come with AVs are discussed along with potential risk mitigation strategies.
Date Created
2022-12
Agent

The Impact of Substance Use Disorders in Healthcare

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Description
Substance use disorders account for billions of dollars annually in emergency and inpatient healthcare, not taking into account the healthcare costs of the disorders with which substance use disorders are associated with increased risks of developing. However, while treatment for

Substance use disorders account for billions of dollars annually in emergency and inpatient healthcare, not taking into account the healthcare costs of the disorders with which substance use disorders are associated with increased risks of developing. However, while treatment for these disorders shows a decreasing action on health costs, a low percentage of affected individuals receive treatment, despite many insurance payers providing coverage for treatments of this nature. Thus, this maintains the issues under the current healthcare system of mitigatable, generally higher, healthcare costs and increased health risks for individuals with substance use disorders.
Date Created
2022-05
Agent

Healthcare Cost Trend Impacts by COVID-19 in the State of Arizona

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Description

Actuaries can analyze healthcare trends to determine if rates are reasonable and if reserves are adequate. In this talk, we will provide a framework of methods to analyze the healthcare trend during the pandemic. COVID-19 may influence future healthcare cost

Actuaries can analyze healthcare trends to determine if rates are reasonable and if reserves are adequate. In this talk, we will provide a framework of methods to analyze the healthcare trend during the pandemic. COVID-19 may influence future healthcare cost trends in many ways. First, direct COVID-19 costs may increase the amount of total experienced healthcare costs. However, with the implementation of social distancing, the amount of regularly scheduled care may be deferred to a future date. There are also many unknown factors regarding the transmission of the virus. Implementing epidemiology models allows us to predict infections by studying the dynamics of the disease. The correlation between infection amounts and hospitalization occupancies provide a methodology to estimate the amount of deferred and recouped amounts of regularly scheduled healthcare costs. Thus, the combination of the models allows to model the healthcare cost trend impact due to COVID-19.

Date Created
2021-05
Agent