Timothy Bulat is a fellow of the Society of Actuaries, a member of the American Academy of Actuaries, and a senior consulting actuary at Actuarial Research Corporation. He previously served as managing director of analytics and chief actuary in Cigna’s government businesses. He is also affiliated with the University of Pennsylvania.
Bulat’s work focuses on Medicare policy, payment reform, and actuarial analysis, with particular attention to Medicare Advantage and site neutrality. His recent publications examine topics such as Medicare Advantage policy changes in 2026, updated estimates of site neutrality, the growing payment differential between hospital outpatient departments and physician offices, the sizing of off-campus hospital outpatient department site neutrality proposals, and the potential effects of site neutrality on drug administration costs.
His writing reflects a strong emphasis on health policy modeling, reimbursement design, and the financial implications of federal payment policy for providers, plans, and patients. Professional updates are available on LinkedIn.
For more than two decades, I have worked in health insurance, first at insurers and more recently as a consultant on Medicare policy. I have led large Medicare Advantage analytics and actuarial organizations comprising actuaries and data scientists working to improve care delivery, manage costs, and optimize revenue. Having seen firsthand the sophistication insurers bring both to improving care and to maximizing revenue within the rules, I find today’s MA …
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The truth about Medicare Advantage funding and costs
