Mark Pauly is the Bendheim Professor in the Department of Health Care Management at the Wharton School of the University of Pennsylvania. One of the leading health economists of the United States, he is a former commissioner on the Physician Payment Review Commission and is a co-editor-in-chief of the International Journal of Health Care Finance and Economics and an associate editor of the Journal of Risk and Uncertainty. Professor Pauly has served on Institute of Medicine panels on public accountability for health insurers under Medicare and on improving the financing of vaccines. He is a former member of the advisory committee to the Agency for Health Care Research and Quality and the Medicare Technical Advisory Panel.

Stacey McMorrow is a research associate in the Health Policy Center at the Urban Institute, Washington, DC. She is currently leading a study of the effects of increased federal funding for community health centers on access to care for low-income individuals and has analyzed the potential impacts of the Affordable Care Act on small employers, individuals and families. Dr McMorrow's PhD dissertation at the University of Pennsylvania explored the market-level effects of health insurance, specifically examining the impact of a large uninsured population on the availability of specialized hospital services as well as on utilization and outcomes for Medicare beneficiaries.