以下则是高顿网校小编为您整理的北美精算师考试SOA——Course8M真题精选（第1小点），请尽快吸收，因为后面还有2个小点。
　　COURSE 8: Fall 2005 -1- GO TO NEXT PAGE
　　Health, Group Life & Managed Care
　　**BEGINNING OF EXAMINATION**
　　HEALTH, GROUP LIFE & MANAGED CARE
　　MORNING SESSION
 
　　1. (3 points)
　　(a) Explain non-financial uses of reinsurance.
　　(b) Describe limitations of reinsurance.
　　COURSE 8: Fall 2005 -2- GO TO NEXT PAGE
　　Health, Group Life & Managed Care
 
　　2. (3 points) You are the actuary for a US health insurance company. You have been asked
　　to make a presentation to your Board of Directors regarding the regulatory environment
　　for your company.
　　(a) Describe goals and objectives of insurance regulation.
　　(b) Describe the legal framework for insurance regulation and means of enforcement.
　　COURSE 8: Fall 2005 -3- GO TO NEXT PAGE
　　Health, Group Life & Managed Care
 
　　3. (7 points) You are a consulting actuary retained by an employer group. Following the
　　presentation of renewal rates to the group, you have been asked to attend a meeting to
　　review trend calculations.
　　You are given the following information:
　　? Allowed trend: 15%
　　? Incurred claims: $5,250,000
　　? Average monthly membership of the group: 2,000 members
　　? The current plan is Plan A, but the group is considering Plan B:
　　Plan A Plan B
　　Deductible $250 $1,500
　　Coinsurance 20% 30%
　　Value of the member cost sharing (PMPM) $50 $100
　　? Assume the value of the deductible does not vary from year to year.
　　(a) Describe in detail external sources of trend that you think might be helpful in your
　　trend discussion.
　　(b) Describe common problems in computing trends that you might need to
　　investigate.
　　(c) Calculate the net trend for the two plans and explain why there might be a
　　difference. Show your work.
　　(d) Describe major issues which might need to be addressed if Plans A and B were to
　　both be offered as a dual option.
　　COURSE 8: Fall 2005 -4- GO TO NEXT PAGE
　　高顿网校之做人道理：一次失败，只是证明我们成功的决心还够坚强。——博 维