The key changes in federal health care reform remain months away but property/casualty actuaries are already trying to determine what impact they will have on their own lines of business, particularly workers’ compensation and medical malpractice.

Elements of the Affordable Care Act have been phased in since the law’s 2010 passage but many key reforms begin January 1, 2014. Property/casualty actuaries need to consider the potential impact of these effects so they can adjust rates and reserves when changes occur.