This includes providing actuarial estimates of Incurred But Not Reported (IBNR) liabilities and other assets and liabilities, analyzing trends, identifying deviations from benchmarks and the resulting financial impacts, forecasting changes in health care cost and utilization patterns, estimating and calculating the return on investment of proposed and implemented initiatives, completing required regulatory reporting, and communicating results and findings from actuarial analyses within CareOregon. CareOregon offers medical, dental, vision, life, AD&D, and disability insurance, as well as health savings account, flexible spending account(s), lifestyle spending account, employee assistance program, wellness program, discounts, and multiple supplemental benefits (e.g., voluntary life, critical illness, accident, hospital indemnity, identity theft protection, pre-tax parking, pet insurance, 529 College Savings, etc.).