David M. Tuomala, FSA, MAAA, FCA
Director, Actuarial Consulting
David Tuomala is a Director in the Risk Optimization and Growth practice of OptumInsight. He
joined the organization in 2007 and he works on pricing new and existing group benefit plans,
including consumer-driven plan designs, individual plan pricing, analysis of new state and federal
laws and regulations, and Medicare Advantage plan pricing and analysis. Most recently, David
has assisted several clients in assessing the impact of the federal Mental Health Parity Act
passed in late 2008. Currently, he is leading our practice's analysis of the impact of the various
federal health reform proposals being debated in Congress.
Prior to joining OptumInsight, he spent more than two years at CIGNA HealthCare, overseeing
the pricing of its consumer-driven products. Before that he served for nearly five years as chief
actuary for Definity Health, one of the pioneers in developing and offering consumer-driven health
products. In this role, he was responsible for pricing and underwriting activities. Earlier in his
career, David spent nearly ten years in a variety of actuarial roles with Wellmark Blue Cross and
Blue Shield in Des Moines, Iowa.
In addition to experience with consumer-driven health plan products, David has previous
experience with small and large group pricing and experience analysis, individual and Medicare
supplement product pricing and rate filings, pharmacy benefit development and pricing, and state
and federal health care regulation and legislative initiatives.
David currently serves as the chair of the Defined Contribution Health Plan and the Consumer-
Driven Health Plans Emerging Experience work-groups of the American Academy of Actuaries,
and as vice-chair for the group health examination committee of the Society of Actuaries. He has
been a speaker on consumer-driven health topics for meetings of the Society of Actuaries,
American Academy of Actuaries and the Conference of Consulting Actuaries.
- Bachelor’s Degree, Mathematics, University of Minnesota’s Institute of Technology
Memberships and Affiliations
- Fellow, Society of Actuaries
- Fellow, Conference of Consulting Actuaries
- Member, American Academy of Actuaries.