Blog
Insights on health IBNR reserving, actuarial methods, and the IBNR Health platform.
What is IBNR?
IBNR reserves account for the gap between what an insurer has already paid and what it will ultimately owe for services already rendered. Here's what the term means, who needs these reserves, and why they sit at the center of health actuarial work.
June 26th, 2026The IBNR Health Team6 min read
Adjusting for Outliers in Claims Reserving
The completion factor method assumes that historical claims predict future payment patterns. Outliers break that assumption. Here is how actuaries identify and adjust anomalies, from smoothing age-to-age factors to editing the lag triangle directly, using both algorithmic rules and visual review.
July 5th, 2026The IBNR Health Team6 min read
Selecting an Average Method
The completion factor method follows a prescriptive formula, but the choice of averaging method is left to actuarial judgment. This article explains the common averaging approaches, how they handle outliers, and how to choose a lookback period that fits your data.
July 5th, 2026The IBNR Health Team7 min read
The IBNR AI Agent
The IBNR AI agent is a chat assistant that reads your loaded triangle folder, answers questions with real numbers, renders exhibits inline, and proposes reserving changes that you approve before they run.
July 5th, 2026The IBNR Health Team20 min read
The Quick Start Wizard
Quick Start is a guided wizard that takes an entire triangle group from raw data to a finalized IBNR estimate in a handful of steps. This walkthrough covers what it is and what each step does.
July 5th, 2026The IBNR Health Team4 min read
Getting Started
A walkthrough of the essential steps to begin using IBNR Health, from loading triangle or columnar data to generating your first reserve estimate.
June 26th, 2026The IBNR Health Team4 min read
Introduction
IBNR Health is a reserving platform built from real-world actuarial experience. Learn how it streamlines the end-to-end health reserving workflow, from raw data ingestion to final estimates and reporting.
June 26th, 2026The IBNR Health Team4 min read
The Completion Factor Method
The completion factor method is the most widely used approach for estimating healthcare IBNR reserves. This deep dive walks through each step, from building a lag triangle to selecting development factors and projecting reserves.
June 26th, 2026The IBNR Health Team16 min read