Larry

Hart

Senior Manager

A health underwriting expert who helps clients understand and manage risk and pricing


Larry has a unique mix of actuarial and underwriting experience and brings a wealth of expertise to his engagements, with thirty years of experience across a broad range of pricing and underwriting functions.


Larry’s experience includes actuarial pricing related to implementing the Affordable Care Act, analyzing the effect of health insurance benefit mandates on premiums, supporting state insurance regulators in rate reviews and market conduct examinations, and assisting large employer groups with carrier renewal negotiations, rate and development, and premium allocation. In a prior position, Larry held underwriting and actuarial leadership roles at a large national insurance company with responsibility for individual and commercial pricing and individual, small group, and large group underwriting.

Experience Highlights:

Larry can help clients with:

  • Estimating and modeling risk exposure and proposing risk mitigation strategies
  • Pricing health insurance benefits
  • Developing rates in commercial insurance markets
  • Examining carrier market conduct and compliance with state insurance laws and regulations
  • Analyzing the effect of legislation on insurers and the health insurance market
  • Advising large group employers on health plan renewal negotiations, premium allocations, and alternative financial arrangements
  • Advising accountable care organizations on risk parameters and target setting for risk contracts
  • Developing assessment rates for state-run universal vaccine programs

Community Service:

  • Easter Seals Maine Board of Directors (formerly)
  • Greater Portland United Way Investment Committee for Health Services (formerly)
  • Maine Vaccine Board (formerly)

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