Annette V James, FSA, MAAA, FCA

Annette has over 25 years of senior level actuarial experience. She joined the NovaRest team after almost fourteen years as a regulatory health actuary with the Nevada Division of Insurance. Annette has extensive experience in monitoring the financial health of insurance companies, measuring the impact of health insurance reform, and the actuarial analysis of health rate filings.

As Lead Actuary for the Nevada Division of Insurance, Annette was heavily involved in evaluating and monitoring the financial health of insurance carriers applying for licensure or operating in Nevada, analyzing potential mergers and acquisitions involving domestic health insurance carriers, and participating in risk-focused financial examination of health insurance carriers.

As a member of a Governor-appointed, multi-agency task force, Annette worked with various stakeholders to develop policy recommendations relating to the implementation of the Affordable Care Act in Nevada, including the expansion of Medicaid, the implementation of a basic health program, the merger of the individual and small group markets, the state administration of the risk adjustment and transitional reinsurance programs and the administration of a state-based health insurance exchange. Annette also led the State’s effort to review options available to evaluate and improve the stability of the ACA individual health insurance market, and to evaluate and mitigate the impact of alternative health plans on the small group market.

Annette’s experience also includes the actuarial review of commercial health insurance rates in the individual and group markets. Her current consulting activities focus on supporting state and federal insurance regulators. She is currently a Member of the Health Committee of the Actuarial Standards Board, which sets standards for appropriate actuarial practice in the United States and is a frequent speaker at national actuarial conferences.