Edward M. Pudlowski FCA MAAA ASA

President, MorningStar Actuarial Consulting, LLC

Contact Information
MorningStar Actuarial Consulting, LLC
6121 Wolf Ridge Drive
Plano, TX 75024
Phone: 214-912-7334
Email: ed.pudlowski@MorningStarActuarial.com
Ed has more than 35 years of experience developing human resource philosophies and supporting strategies to improve employer’s return on their investment in human capital and is a nationally recognized expert in the assessment of the value propositions of health care interventions. Ed has developed unique solutions for employee and retiree benefits plans, including issues resulting from COVID-19, health care reform, and other significant events. He has been at the forefront of helping employers manage the changes required as a result of the ACA and has been requested by the IRS in their efforts to administer the ACA to offer his insights into how employers deliver health care benefits. Prior to founding MorningStar Actuarial Consulting, Ed was Chief Operating Officer and Chief Consulting Officer with American Fidelity Administrative Services, LLC where he drove employee benefit compliance and consulting solutions for public entities and school districts across the country. He was also a Partner with Ernst & Young where he led the employer strategy task force on Health Care Reform and consulted with Fortune 500 clients on their employee benefit plans. Ed also worked for two large employee benefit consulting firms (Mercer and Buck Consulting) where he drove employee benefit solutions for large employers (including Fortune 500 employers), unions, and large public entities. Ed started his career as the Assistant Actuary for a large health insurance company. His most recent experience at an insurance company as well as at the start of his career give him unique insights into health care that are difficult to obtain working in the consulting field alone. Ed is a frequent speaker on health care reform, COVID-19, and other health and welfare plan issues and has published several articles in national business magazines covering health care innovation, health care reform, financial risk in human resources, and quality in health care. Ed holds a BS in Applied Mathematics from Indiana University of Pennsylvania and a minor in Computer Science. He is an Associate of the Society of Actuaries, a member of the American Academy of Actuaries, and a Fellow of the Conference of Consulting Actuaries (CCA). Ed was the 2018-2019 President of the CCA and currently leads its Healthcare Community. He is also the CCA representative to the International Actuarial Association's (IAA) Strategic Planning Committee and serves on the board of the International Actuarial Association Health Section (IAAHS).


CCA Member Since 2000
HMOs Insurers Other Health Subset Providers Retiree Benefits Retiree Medical FAS106 Sponsors Taft-Hartley
Annual Meeting Program Committee
Healthcare Community Steering Committee
Healthcare Meeting Program Committee
IAA Health Forum
IAA Liaisons
Annual Meeting Program Committee
Annual Meeting Registration Task Force
Benefits - 401(k) Investments Committee
Benefits Committee
Board of Directors
Budget and Finance Committee
Bylaws Review Task Force
Communities Committee
Community Sites Terms of Use Task Force
Compensation Committee
Consulting Skills Seminar Task Force
Council of Committees
E and O Insurance Program Oversight
Healthcare Community Steering Committee
Healthcare Meeting Program Committee
IAA Strategic Planning Committee
Joint Program Committee for the Enrolled Actuaries Meeting
Membership Committee
Nominating Committee
Public Policy Task Force
Rebranding Task Force
Strategic Plan Task Force
Strategic Planning Committee
Webinar Committee
Welcome Committee for New Members

004 - Professionalism and Ethics for Healthcare Actuaries 2024 CCA Annual Meeting (October 29, 2024)

204 - AI in Healthcare Delivery 2024 CCA Annual Meeting (October 28, 2024)

104 - AI: Influences on Healthcare 2024 CCA Annual Meeting (October 28, 2024)

Everything You Wanted to Know About Traditional and Advantage Plans but Didn’t Know to Ask 2024 CCA Healthcare Meeting (April 11, 2024)

Professionalism and Ethics for Healthcare Actuaries 2023 CCA Annual Meeting (October 17, 2023)

Employer Perspective of Point Solution ROI 2023 CCA Annual Meeting (October 16, 2023)

Measuring the Value of Innovative Healthcare Solutions 2023 CCA Healthcare Meeting (April 13, 2023)

Professionalism for Healthcare Actuaries Professionalism for Healthcare Actuaries Webinar (January 25, 2023)

Business Development Workshop 2022 CCA Annual Meeting (October 19, 2022)

Develop and Use Your Personal Brand - A Leadership Development Community Luncheon Forum 2022 CCA Annual Meeting (October 17, 2022)

06 - Preparation for 2023 Health Plan Renewals 2022 CCA Healthcare Meeting (April 14, 2022)

04 - Professionalism for Healthcare Actuaries 2022 CCA Healthcare Meeting (April 12, 2022)

Healthcare COVID Update: What We Know Now that We Didn’t Know Then Healthcare COVID Update: What We Know Now that We Didn’t Know Then Webinar (March 09, 2022)

Professionalism for Healthcare Actuaries 2021 CCA Annual Meeting (October 26, 2021)

Innovative Healthcare Solutions 2021 CCA Annual Meeting (October 25, 2021)

01 - The Healthcare Landscape After the 2020 Election 2021 CCA Healthcare Meeting (April 27, 2021)

COVID-19 and Healthcare COVID-19 and Healthcare Webinar (November 04, 2020)

Hospital Consolidation and the Impact on Healthcare Costs 2020 CCA Virtual Annual Meeting (October 28, 2020)

Value-Based Care Through Physician Groups: An Actuarial Perspective 2020 CCA Virtual Annual Meeting (October 27, 2020)

Business Session With Keynote Speaker Dr. Tasha Eurich 2020 CCA Virtual Annual Meeting (October 19, 2020)

Professionalism for Healthcare Actuaries 2019 CCA Annual Meeting (October 29, 2019)

Risks and Opportunities Under an AHP 2019 CCA Annual Meeting (October 28, 2019)

The Runway of Healthcare Actuarial Modeling 2019 CCA Healthcare Meeting (April 11, 2019)

Corporate Initiatives and How They’ll Save Healthcare 2019 CCA Healthcare Meeting (April 10, 2019)

Our Healthcare Landscape: The State of the ACA and the Impact of Tax Reform 2018 CCA Healthcare Meeting (April 11, 2018)

A Study in Professionalism and Ethics for the Healthcare Actuary 2017 CCA Healthcare Meeting (April 06, 2017)

Excise Tax Update 2016 CCA Annual Meeting (October 24, 2016)

Excise Tax 2016 CCA Health Reform Meeting (April 14, 2016)

Is It Working? A “Presidential” Debate on the ACA’s Impact on IHI’s Triple Aim 2016 CCA Health Reform Meeting (April 14, 2016)

Cadillac Plan Tax: What You Need to be Thinking About Now in Advance of 2018 2015 Health Reform Meeting (April 16, 2015)

Strategic Alternatives to the Employer Shared Responsibility Provision of Healthcare Reform 2014 CCA Annual Meeting (October 22, 2014)

Healthcare Reform Impact on Employee Sub-populations 2014 CCA Annual Meeting (October 21, 2014)

PPACA Compliance and Strategic Implications 2013 CCA Annual Meeting (October 23, 2013)

Accountable Care Organizations (ACO): It’s Not Your Father’s HMO 2013 CCA Annual Meeting (October 23, 2013)

Healthcare Exchanges Healthcare Exchanges (July 17, 2013)

State Exchanges in Advance of 2014 2012 CCA Annual Meeting (October 23, 2012)

Healthcare Reform Implications in the Retail/Restaurant Industry 2012 CCA Annual Meeting (October 22, 2012)

Is Retiree Drug Subsidy (RDS) the Best Approach for Employers - or - RDS Alternatives? 2009 CCA Annual Meeting (November 04, 2009)