Julie Peper, FSA, MAAA, Principal and Senior Consulting Actuary, has more than 20 years of experience as a healthcare actuary. Her recent focus has been on healthcare reform. She has worked for commercial and government payers, providers, and employers. Julie has worked with both states and health plans on the implementation of the Affordable Care Act and other state specific reform activities. Analyses include determining the premium impacts of ACA requirements, estimating the impact of essential health benefits, developing standard and plan-specific plan designs, and subsidy analyses. Julie led projects on Essential Health Benefits and pediatric dental for CCIIO. She has also completed several projects on enrollment, cost and premium projections for various markets and clients. For one state, she led the efforts to estimate the impact of universal health care and other state-specific reform initiatives. Julie helped create the summary of the notice of proposed rulemaking on the 3 R’s and the Robert Wood Johnson work plan on reinsurance and risk adjustment. Her recent work also includes provider contracting and payment reform analyses and numerous Medicaid and Medicare projects. Julie’s Medicaid experience includes feasibility analyses for multiple states and rate development and financial projections for health plans’ Medicaid bids. Prior to joining Wakely, Julie worked for another consulting organization and was also the pricing and provider contracting director for a large insurance organization.