Vatshank Chaturvedi

Taeho Kim, Yanming Wang, Vatshank Chaturvedi et al.

Fine-tuning pre-trained large language models (LLMs) with limited hardware presents challenges due to GPU memory constraints. Various distributed fine-tuning methods have been proposed to alleviate memory constraints on GPU. However, determining the most effective method for achieving rapid fine-tuning while preventing GPU out-of-memory issues in a given environment remains unclear. To address this challenge, we introduce LLMem, a solution that estimates the GPU memory consumption when applying distributed fine-tuning methods across multiple GPUs and identifies the optimal method. We conduct GPU memory usage estimation prior to fine-tuning, leveraging the fundamental structure of transformer-based decoder models and the memory usage distribution of each method. Experimental results show that LLMem accurately estimates peak GPU memory usage on a single GPU, with error rates of up to 1.6%. Additionally, it shows an average error rate of 3.0% when applying distributed fine-tuning methods to LLMs with more than a billion parameters on multi-GPU setups.

Rohun Kshirsagar, Li-Yen Hsu, Vatshank Chaturvedi et al.

Health insurance companies cover half of the United States population through commercial employer-sponsored health plans and pay 1.2 trillion US dollars every year to cover medical expenses for their members. The actuary and underwriter roles at a health insurance company serve to assess which risks to take on and how to price those risks to ensure profitability of the organization. While Bayesian hierarchical models are the current standard in the industry to estimate risk, interest in machine learning as a way to improve upon these existing methods is increasing. Lumiata, a healthcare analytics company, ran a study with a large health insurance company in the United States. We evaluated the ability of machine learning models to predict the per member per month cost of employer groups in their next renewal period, especially those groups who will cost less than 95\% of what an actuarial model predicts (groups with "concession opportunities"). We developed a sequence of two models, an individual patient-level and an employer-group-level model, to predict the annual per member per month allowed amount for employer groups, based on a population of 14 million patients. Our models performed 20\% better than the insurance carrier's existing pricing model, and identified 84\% of the concession opportunities. This study demonstrates the application of a machine learning system to compute an accurate and fair price for health insurance products and analyzes how explainable machine learning models can exceed actuarial models' predictive accuracy while maintaining interpretability.