| hs_plans | Provinces and benefit tiers |
| hs_provinces | Provinces and benefit tiers |
| panel_params | Parameters of the panel |
| portfolio_params | Parameters of the cross-sectional portfolio |
| set_levels | Set factor levels with the base profile first |
| simulate_panel | Simulate a multi-year health insurance panel |
| simulate_portfolio | Simulate a cross-sectional health insurance portfolio |
| true_frequency | True expected frequency and severity |
| true_severity | True expected frequency and severity |
| z_cv2 | Moments of the claim-size multiplier |
| z_mean | Moments of the claim-size multiplier |