John Bertko is currently an independent actuarial consultant working as the Chief Actuary with Covered California (California’s Insurance Marketplace) and was the Director of Special Initiatives and Pricing in the Center for Consumer Information and Insurance Oversight at the Centers for Medicare and Medicaid Services (CMS), retiring from this position as of January 31, 2014. He served as a senior actuarial advisor on various private insurance initiatives, including risk adjustment, insurance programs and insurance oversight activities. He served on the Massachusetts Connector Board from October 2014 to March 2015. He formerly was a Senior Fellow at the LMI Center for Health Reform, Adjunct Staff at RAND, a Visiting Scholar at the Brookings Institution, a Visiting Scholar at the Center for Health Policy at Stanford and the retired Chief Actuary of Humana Inc., where he managed the corporate actuarial group and directed work by actuarial staff for Humana’s major business units, including developing Part D, Medicare Advantage and consumer-driven health care products. He has extensive experience with risk adjustment and has served in several public policy advisory roles. He serves on the panel of health advisors for the Congressional Budget Office and completed a 6-year term on the Medicare Payment Advisory Commission (MedPAC). He served the American Academy of Actuaries as a board member from 1994 to 1996 and as vice president for the health practice council from 1995 to 1996. He is a Fellow of the Society of Actuaries and a Member of the American Academy of Actuaries. He has a B.S. in mathematics from Case Western Reserve University.