
Julia M. Friedman
Julia Friedman is a principal and consulting actuary with the Milwaukee office of Milliman. She joined the firm in 2010.
Experience
As a principal and consulting actuary at Milliman, Julia is passionate about providing her clients with insights to live up to Milliman's mission: to serve our clients to protect the health and financial well-being of people everywhere. With over 15 years of experience working with a range of healthcare organizations—including health plans, Medicare Advantage/Part D, Managed Medicaid, provider systems, union groups, and organizations in the investment space—she delivers on providing strategic actuarial and market insights that support her clients in better understanding the financial and long-term impacts of the ever-changing Medicare Advantage landscape.Julia's expertise covers key areas critical to the helping my clients achieve their business aims:
- Medicare Advantage bid development and support
- Medicare Advantage competitive analysis and insights
- Regulatory impacts
- Risk adjustment models and predictive analytics
- Pricing models, rating strategies, and benefit relativities
- Benchmarking review
Leadership and collaboration:
As a leader, Julia thrives on building strong, collaborative relationships with both her clients and internal teams. She is passionate about leading high-performing teams and mentoring emerging actuaries in their career development. Her enthusiasm for the Medicare Advantage market fuels her commitment to spearheading research at Milliman, focusing on innovative strategies to help our clients navigate new and emerging challenges.
Empowering informed decisions:
Julia understands that healthcare decision-making involves aligning diverse stakeholders—from clinicians to policymakers—and she excels at working across these groups to deliver timely, impactful results. By combining strategic vision with data-driven insights, Julia empowers clients to make informed decisions. Her goal is to ensure that her clients succeed in achieving their goals with sustainable and well-developed solutions while operating in the rapidly changing Medicare Advantage marketplace.
- Mid-year supplemental benefit notifications: Considerations for Medicare Advantage bid development and benefit utilization. Milliman Insight, March 2025.
- Shaping senior care: Trends in Medicare Advantage benefits and coverage from 2022 to 2025. Milliman Insight, February 2025.
- State of the 2025 Medicare Advantage industry: General enrollment plan valuation and selected benefit offerings. Milliman Insight, December 2024.
- State of the 2025 Medicare Advantage industry: Dual-eligible plan valuation and selected benefit offerings. Milliman Insight, December 2024.
- Medicare Advantage under pressure: How MA-PD plans are responding in 2025. Milliman Insight, October 2024.
- Aging Populations and Actuarial Projections: Challenges and Opportunities. SOA: Actuary of the Future, July 2024.
- 2023 Urban and Rural Differences in Medicare Advantage: Current landscape and plan considerations. Milliman Insight, April 2023.
- Prevalence of supplemental benefits in the general enrollment Medicare Advantage marketplace: 2019 to 2023. Milliman Insight, March 2023.
- Prevalence of supplemental benefits in the D-SNP Medicare Advantage marketplace: 2019 to 2023. Milliman Insight, March 2023.
- 2023 Combined Benefits in Medicare Advantage - Tracking benefit strategy and options. Milliman Insight, January 2023.
- Considerations for plan segmentation in Medicare Advantage bids. Milliman Insight, February 2023.
- Analysis of 2022 AEP enrollment results for Medicare Advantage plans. Milliman Insight, April 2022.
- Checking the boxes: Medicare Plan Finder and highlighted supplemental benefits. Milliman Insight, April 2022.
- Additional available upon request.
- Fellow, Society of Actuaries
- Member, American Academy of Actuaries
- BBA, Actuarial Science; Risk Management & Insurance, University of Wisconsin, Madison