An actuary is an employee of an insurance company who play an important role in the life of the company providing coverage. The actuary, a person or a group of people, will help the company to understand risks and make plan for the future. Any specific steps are usually taken on nobody's, but on the actuary's advice. For example, a company may offer flu shots free of charge. The aim is to have all employees get the shot so that there are fewer cases of the flu during flu season, fewer visits to the doctor and fewer medications purchased.

An actuary has an important role in a self-insured program. Following the needs of the company an actuary can decide to withhold specific types of treatment, for example, a certain medication that is very expensive may not be covered by the plan in an effort to provide basic coverage for the masses.

A consumer is unlikely to deal directly with an actuary, but there is something to be grateful to this person as some of the details of an insurance policy are designed thanks to an actuary. By watching trends in health insurance and health care, these specialists determine how to offer insurance without losing money - a must for even an insurance company to continue to operate.

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