John Meerschaert, F.S.A., M.A.A.A., a principal and consulting actuary at Milliman, has a diverse background in health insurance and managed health care programs. He has advised state government agencies, health systems, insurance companies, health maintenance organizations (HMOs), and other health care clients. His experience with commercial, Medicare, and Medicaid coverage from the perspective of insurers, providers, and government stakeholders allows him to provide unique insight on a wide range of issues. He received his B.B.A. from the University of Wisconsin and is a fellow of the Society of Actuaries and member of the American Academy of Actuaries.