Nick’s areas of expertise include traditional health insurance, employer benefit programs, and product development and management in the ancillary / supplemental accident and health (A&H) and student health and higher education product space. His current responsibilities include Medicare Advantage bid development, Medicare Supplement pricing and analyses, ancillary / supplemental product pricing and development, and employer benefit consulting and pricing.
Nick has over 30 years of leadership and product innovation and development experience with national consulting firms and insurance carriers. Prior to Milliman, he held management roles where he was responsible for product development, financial performance, and sales partnership growth and expansion.
Nick’s insurance carrier experience includes a role as Appointed Actuary and leadership with ancillary / supplemental A&H, Medicare Supplement, group benefit product development and pricing, underwriting, rate filing, and regulatory reviews and compliance.
Publications and Presentations
Best Practices and Hot Topics for Health Appointed Actuaries. SOA Valuation Actuary Conference. August 2025.
MA Headwinds are not Necessarily MedSupp Tailwinds. Medicarians Conference. April 2025.
Hemorrhage Chicken – The Rating Future of MedSupp Medicarians Conference. April 2023.
If Scientifically Solved, What are the Implications? Future of Transplantation Conference. November 2022.
College Textbook Subscription Programs – A New School Way to Secure Course Materials. October 2022.
Overview of Marketing and Sales, Group Insurance (8th edition). July 2021.
Let’s Make a Deal – Professionalism is Nonnegotiable, Society of Actuaries webcasts. November / December 2019 through 2023.
MedSupp Underwriting and Innovation, 2019 Medicare Supplement Summit. June 2019.
Professional Designations
Fellow, Society of Actuaries
Member, American Academy of Actuaries
Education
BBA, Actuarial Science, University of Wisconsin
Affiliations
Member, Employee Benefits – Active Benefits Subcommittee, American Academy of Actuaries
Served on Membership Workgroup, National Association of Dental Plans
Past chairperson and board member of the Marketing and Distribution and Entrepreneurial Actuaries sections, Society of Actuaries
Colleges and universities looking into subscription models for course materials such as textbooks can learn from the risk pitfalls of health insurance models.
27 March 2020 - by Kenneth L. Clark, Nick J. Ortner
This issue brief explores the resources available to help carriers quantify the expected effect of possible Medicare Supplement medical underwriting application changes and considerations.
18 February 2020 - by T. Scott Bentley, Nick J. Ortner
This report is Milliman’s triennial summary of estimated U.S. average utilization, billed charges, and resulting per member per month costs for organ and tissue transplants.
Is short-term, limited-duration insurance being repositioned as an alternative form of individual health insurance coverage, running parallel to the current Patient Protection and Affordable Care Act-compliant individual health insurance market rather than serving as a supplement to it?
