The Multi-Split Experience Rating Plan in New York [Discussion]

Mr. Johnson's paper on the Multi-Split Experience Rating Plan in New York is particularly well timed. The Plan has been in effect less than a year but certain results of its application have provoked considerable criticism. Some of these have been covered by Mr. Johnson and some have not. I shall comment not only on the points raised by Mr. Johnson, but also on certain other criticisms of the Plan, and will endeavor to offer suggestions for the amelioration of the conditions giving rise to these criticisms.