About Us

Finding Inspiration in Every Turn

Concerned Actuaries Directors and Advisors have dedicated their time and money to the CAUS/CRFB initiative to reform healthcare. Their objective is to assure long-term sustainability, fairness and transparency of the US healthcare system. As experienced actuaries with hundreds of years of combined experience in building and managing insurance/risk organizations, they seek to establish actuarial guide rails to assure the long-term solidity of our national healthcare and retirement programs.



Our Mission: Provide full, accurate, and easily understood analyses of the financial realities affecting the funding and security of our nation's public finance and social insurance programs. These programs include federal, state and local retirement, healthcare and other publically funded social entitlements dependent on long range planning and advance funding.

What We Hope to Achieve: Ensure that the nation's public finance and social insurance programs are designed and managed with the actuarial discipline and transparency such programs deserve and should require.

What We Do: 

  • Seek illumination and understanding of and agreement about, the facts affecting the nation's public finance and social insurance programs and their stakeholders.

  • Share information with nation's public finance and social insurance programs’ stakeholders including beneficiaries, current and future taxpayers and policy makers.

  • Advocate for rigorous standards, disciplined program costing, management metrics, and transparency.

Meet The Team

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Mark Litow, FSA

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Retired Principal, Milliman

  • Served as Director of Health for Milliman during a period in Milliman opened International practices in Europe, Asia, South America, and Latin America

  • Former member of the Society of Actuaries Board of Governors

  • Chair, Concerned Actuaries of the U.S. (CAUS)

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Bob Collett, FSA

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Former CEO, Milliman

  • First Chair of the Society of Actuaries International Section and its representative on the International Actuarial Association's Advice and Assistance Committee

  • First Secretary-Treasurer, Concerned Actuaries of the U.S. (CAUS)

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Gayle Brekke, FSA

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Ph.D. Candidate - Health Policy


  • ​Ph.D. Candidate in Health Policy and Management at the University of Kansas Medical Center

  • Member of the Advisory Committee of the Health Economics Interest Group of AcademyHealth

  • Held various actuarial and leadership roles in tenure with Assurant Employee Benefits and Sun Life Financial 

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Stu Alden, FSA, MAAA, FCA

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Data Scientist at Socratic Methods

  • Former Senior Vice President - AON

  • Former Chief Actuary - Watson Wyatt

  • Former Board Member - Conference of Consulting Actuaries

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Scott Litow, ASA, MAAA

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Actuarial Director, Centene

  • Former Actuarial Manager - Cigna HealthSpring

  • Former Associate Actuary, Milliman

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Fred Kilbourne, FSA, FCAS

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Actuary - The Kilbourne Company

  • Former President, Casualty Actuarial Society and Conference of Consulting Actuaries

  • Chairman of the Task Force charged with a Critical Review of the US Actuarial Profession (CRUSAP)

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Ron Colby, FSA

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Former CEO, UnitedHealthcare

  • Founding Partner, Insurex, LLC - advisors to insurance and other financial services CEOs and Boards

  • Fellow, Society of Actuaries and Member, American Academy of Actuaries

  • Former Board Member of the Health Association of America (HIAA)

  • Former Vice President for Lincoln National Life Insurance Company

  • Lead UnitedHealth Group to become one of the largest companies in health care by holding a number of positions including CEO of UnitedHealth Group Specialized Care Services, CEO of UnitedHealthcare Insurance Company, and Senior Vice President of UnitedHealthcare Product Management.

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Tim Bartholow, MD

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VP - Chief Medical Officer, Neugen LLC

  • Former Chief Medical Officer, Wisconsin Medical Society

  • Former practicing clinic physician

  • Former Medical Director for a risk-bearing independent physician association with more than 400 primary-care providers

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Joyce Cheney, MBA

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Health Policy Advisor

  • Former Director of Precision Medicine Initiatives (Oncology) - Caris Life Sciences

  • Former Director of Sales and Marketing, OncoOmics (a division of mProbe)

  • Former Director of Business Development, Genesis Medical Consulting (GenMedPro)

  • Founder/VP Sales and Marketing, Sage Benefit Group

  • 15 plus years experience in the Biotech/Med Device/Pharma sector