Kristin Houghton
FSA, MAAA
Consulting Actuary
Seattle, WA, US
Kristin Houghton is a consulting actuary specializing in healthcare consulting in the Seattle office of Milliman. She was with Humana before joining the firm in 2012.
Experience
Kristin has assisted clients with a variety of projects, including pricing, rating, healthcare reform, risk adjustment consulting, and regulatory filings. She has extensive experience in commercial rate development and filings, particularly in the state of California, and ACA risk adjustment projections.
Recent projects include:
- Commercial ACA rate development, filings, and consulting
- ACA risk adjustment projections and consulting
- Claims experience analysis and benchmarking
- Benefit relativity development and pricing
- Rating model development
- Provider payment development
Professional Designations
- Fellow, Society of Actuaries
- Member, American Academy of Actuaries
Education
- BS, Mathematics; BA, Business Administration (summa cum laude), St. Norbert College (WI)
Publications
Read their latest work
Article
Policy, pricing, and participation: A data-driven view of the ACA marketplace
08 April 2026 - by Conrad Daley, Cameron Gleed, Kristin Houghton, Atman Thakrar
Using data from the Centers for Medicare and Medicaid Services, we examine price positioning and enrollment dynamics in the ACA individual market.
Article
Independent review of Maven Clinic’s methodology for quantifying financial return of its fertility program
15 December 2022 - by Austin Barrington, Kristin Houghton, Sam Yih
We examine a provider’s methodologies for quantifying the financial return of its fertility program.
Article
Independent review of Maven Clinic’s methodology for quantifying financial return of its maternity program
15 December 2022 - by Austin Barrington, Kristin Houghton, Sam Yih
We examine a provider’s methodologies for quantifying the financial return of its maternity program.