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					Originally Posted by PaulS  Jim, what is your actuarial certification?  
 I have to go to a meeting for a few hours.
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 Fair question.  I am a Fellow of the Casualty Actuarial Society.  As such, I'm far from an expert on healthcare, which is covered by another actuarial society and a different track of exams is required to be a healthcare actuary.  But I know that if you increase coverage, and don't do something else drastic (like serious tort reform), costs are not going to decrease.  Costs cannot decrease.