Milliman Advanced Risk Adjusters


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Milliman Advanced Risk Adjusters (MARA) is a suite of risk adjustment tools for commercial, Medicaid, and Medicare population risk analysis. MARA models offer unique perspectives with individual risk scores by health service categories, making them perfectly suited for budgeting, pricing and underwriting, payment, stratifying risks, and many other predictive modeling applications for the health insurance industry.

Superior performance

MARA topped the competition in predictive performance in the October 2016 study “Accuracy of Claims-Based Risk Scoring Models” conducted by the Society of Actuaries. View the results of the study. Find highlights of the concurrent and prospective model results here. Contact the Society of Actuaries for a copy of the complete study.

Individual risk projections by service categories

MARA offers a clearer picture of where spending is likely to occur. Individual risk scores are provided by service categories (inpatient, outpatient, emergency room, physician, other medical services, and pharmacy).

All models of MARA offer flexible lag options, making them more suitable for healthcare budgeting, payment, pricing, and underwriting.

Rich clinical classification system

The more than 1,200 clinical classifications underlying MARA utilize code sets from the Milliman Medical Underwriting Guidelines, a rigorous tool developed by clinicians and actuaries. MARA delivers more targeted predictions of future expenses, offering better information for case stratification and renewal rating.

Sound science

MARA was developed by top Milliman actuaries with years of real-world healthcare experience. Longitudinal data assets that are geographically well-represented offer more precise observations of chronic and costly conditions over time, and allow for better statistical risk models. MARA's distinctive methodology considers disease progression by taking advantage of longitudinal data sets.

Expert advice

Risk adjusters are optimal only when applied effectively. As a full service actuarial and consulting firm, Milliman brings a comprehensive understanding of the application of risk adjustment and predictive modeling to complex healthcare applications. Whether you require risk adjustment tools, strategic advice, or customized models, knowledgeable consultants and actuaries are always available to help design and deliver successful solutions.

Next Steps

For more information, contact: