Shelly Brandel, F.S.A., M.A.A.A., a principal and consulting actuary at Milliman, has expertise in both managed and traditional health care programs, with more than 15 years of experience in these areas. She has assisted various entities, including health plans, employers, insurance companies, and Medicare/Medicaid programs. She has helped clients with product development and pricing, experience analysis, valuation of reserves, and financial reporting. Ms. Brandel received her B.S. from the University of Miami and is a fellow of the Society of Actuaries and member of the American Academy of Actuaries.