New Health Insurance Business Models for a Post-Reform World

Henry J. Aaron
Senior Fellow, Economic Studies
The Brookings Institution

Henry J. Aaron, a Senior Fellow in Economics Studies at The Brookings Institution, is a noted health care expert who focuses on the reform of health care financing, public systems such as Medicare and Medicaid, Social Security, and tax and budget policy. He is currently Member, Visiting Committee, Harvard Medical and Dental Schools; Member, Institute of Medicine; Chairman of the Board of Directors, National Academy of Social Insurance; Director, Center on Budget and Policy Priorities, Abt Associates; and Member, American Academy of Arts and Sciences. Dr. Aaron received his Ph.D. and M.A. from Harvard University and B.A. from the University of California at Los Angeles, 1958

Joel S. Ario
Managing Director
Manatt Health Solutions; Former Director of HHS’s Office of Health Insurance Exchanges

Joel S. Ario is a managing director of Manatt Health Solutions, an interdisciplinary policy and business advisory practice of Manatt, Phelps & Phillips, LLP. He has 30 years of experience helping to shape and implement public policy in the health care industry, including more than a decade devoted to leading insurance reform efforts at the state and federal government levels. He provides strategic consulting and policy analysis to assist state governments, health plans and foundations in preparing for the broad implications of health care reform, with a particular emphasis on planning for and implementing statewide health insurance exchanges.

Mr. Ario previously served as Director of HHS’s Office of Health Insurance Exchanges, where he led efforts to implement provisions of President Obama’s health care reform initiative. He was the Administration’s point person for standing up health insurance exchanges, a role that required engagement with key stakeholders to develop the regulatory framework for exchanges, including consumer standards, insurer accountability, transparency, state certification and state and federal partnership opportunities. Prior to his federal service, Mr. Ario was Pennsylvania Insurance Commissioner from 2007 to 2010, a position in which he was charged with oversight of the state’s $85 billion insurance industry. From 2000 to 2007, he served as the Oregon Insurance Administrator, where he was responsible for oversight of the state’s $16 billion insurance industry and management of a multifaceted regulatory program. Mr. Ario served on the executive committee of the National Association of Insurance Commissioners for a decade, including being elected three times to serve as an NAIC officer, and was President of the National Insurance Producer Registry for two years.

Vince Ashton
President and CEO
HealthPass New York

Vince Ashton is President & CEO of HealthPass New York, a role in which he oversees the sales, member service, operational, strategy and policy components of the health insurance exchange. Mr. Ashton has been member of the organization since its inception, when he joined as the Director of Sales in 1999. He was promoted to the position of Executive Director in 2004 and was elevated to President & CEO in late 2011. A nationally recognized expert on health insurance exchanges, his career has been marked by strong leadership and forward-thinking advice and insight, which have helped HealthPass meet its mission of expanding access to health care for small businesses and the working uninsured. Mr. Ashton lends his expertise to other communities seeking to tackle the dilemma of uninsured working individuals and small business owners through adoption of the HealthPass small business commercial health insurance exchange model. He holds a Bachelor of Arts from the College of the Holy Cross.

Deborah Bachrach
Special Counsel, Healthcare Transaction & Policy
Manatt, Phelps & Phillips, LLP

Deborah Bachrach has more than 20 years of experience in health policy and financing in both the public and private sectors and an extensive background in Medicaid policy and health care reform. She currently advises states and other policy makers as well as private stakeholders on implementation of federal health reform and Medicaid reform strategies. Until 2010, Ms. Bachrach was the Medicaid Director and Deputy Commissioner of Health for the New York State Department of Health, Office of Health Insurance Programs. In this capacity, she was responsible for coverage, care and payment policies for over 4 million children and adults enrolled in New York’s Medicaid and Child Health Insurance Programs.

She is an adjunct professor of law at the New York University School of Law, where she teaches a seminar on federal health reform. She is a frequent commentator on exchange implementation, Medicaid expansion strategies, and Medicaid payment and purchasing reforms.

Deborah received her law degree from the New York University School of Law and a Bachelor of Science in Economics from the Wharton School of the University of Pennsylvania.

Charles Boorady
Managing Partner
Triple Tree Capital Partners

Before joining Triple Tree Capital Partners in September 2012, Charles Boorady was a Managing Director at Credit Suisse Investment Research, where he co-headed the health care research team and was a member of the research management committee.

Mr. Boorady has more than 17 years of health care investment research experience on Wall Street, where he has advised institutional investors on health care investments as well as the impact of legislative, regulatory, and technological and other changes on the future outlook for the industry. He has published extensive investment research on the health care sector, with a focus on health benefits including specialty and pharmacy benefit management and managed care.

Forbes ranked Mr. Boorady among the "Dazzling Dozen" stock analysts in the U.S. based on Zacks Investment Research in Chicago that scored him as the No.1 Analyst following medical care and top 12th analyst among all analysts in all industry sectors in the U.S. He has been ranked by Forbes magazine and StarMine No.1 among all analysts and all sectors for his precision in estimating company earnings. He has also ranked No.1 for estimating earnings and stock-picking in the managed care sector.

Mr. Boorady is regularly interviewed for his expertise on health care topics and investment advice by the national print and television media including The Wall Street Journal, CNBC, Bloomberg and others.

Prior to his career on Wall Street, Mr. Boorady was a consultant at Accenture, where for six years he provided operations re-engineering and computer systems-related consulting services to large corporations.

Mr. Boorady received a Bachelor of Science degree in Engineering from Cornell University and a MBA with concentrations in Analytic Finance and Statistics from The University of Chicago.

Matthew Coffina
Senior Equity Analyst
Morningstar

Matthew Coffina, CFA, is a senior equity analyst with Morningstar, responsible for coverage of managed care organizations, pharmacy benefit managers, retail drugstores, and health care distributors. Mr. Coffina also serves as Morningstar’s valuation methodology developer, responsible for building and maintaining Morningstar’s discounted cash flow model and methodology used to value approximately 1,800 companies across the globe. He was named one of the top three “Best on the Street” analysts for Food & Drug Retailers in 2012 by The Wall Street Journal and also received Morningstar’s 2012 “Excellence in Thought Leadership” award. Mr. Coffina is a CFA charterholder and earned a B.A. with highest honors in Economics from Oberlin College.

Tom Daschle
Former Senate Majority Leader
Senior Policy Advisor
DLA Piper

Born in Aberdeen, South Dakota, Tom Daschle graduated from South Dakota State University in 1969. Upon graduation, he entered the United States Air Force where he served as an intelligence officer in the Strategic Air Command until mid-1972.

Following completion of his military service, Senator Daschle served on the staff of Senator James Abourezk. In 1978, he was elected to the U.S. House of Representatives, where he served for eight years. In 1986, he was elected to the U.S. Senate and eight years later became its Democratic Leader. Senator Daschle is one of the longest serving Senate Democratic Leaders in history and the only one to serve twice as both Majority and Minority Leader. During his tenure, Senator Daschle navigated the Senate through some of its most historic economic and national security challenges. In 2003, he chronicled some of these experiences in his book, Like No Other Time: The 107th Congress and the Two Years That Changed America Forever.

Today, Senator Daschle is a senior policy advisor to the law firm of DLA Piper where he provides clients with strategic advice on public policy issues such as climate change, energy, health care, trade, financial services and telecommunications. Since leaving the Senate, he has distinguished his expertise in health care through the publication of Critical: What We Can Do About the Health-Care Crisis and has emerged as a leading thinker on climate change and renewable energy policy. His most recent book, Getting It Done: How Obama and Congress Finally Broke the Stalemate to Make Way for Health Care Reform, was published in October 2010.

In 2007, he joined with former Majority Leaders George Mitchell, Bob Dole, and Howard Baker to create the Bipartisan Policy Center, an organization dedicated to finding common ground on some of the pressing public policy challenges of our time. Senator Daschle serves on the board of the Center for American Progress, acts as the vice chair of the National Democratic Institute, and is a member of the Council of Foreign Relations. In January 2012, he was named, along with former Senator Dr. Bill Frist, to the advisory board of ZocDoc, an online booking startup for health care professionals dedicated to enhancing patient convenience and empowerment to improve overall health.

Senator Daschle is also a member of the Health Policy and Management Executive Council at the Harvard School of Public Health, in addition to the Global Policy Advisory Council for the Health Worker Migration Initiative. He is a member of the Lyndon Baines Johnson Foundation Board of Trustees, the GE Healthymagination Advisory Board, the National Integrated Foodsystem Advisory Board, and the Committee on Collaborative Initiatives at the Massachusetts Institute of Technology.

Anne Melissa Dowling, CFA
Deputy Commissioner
Connecticut Insurance Department

Deputy Commissioner Anne Melissa Dowling joined the Connecticut Insurance Department in September 2011. Her responsibilities include the day-to-day oversight of all divisions, including consumer affairs, market conduct and financial regulation. She also is the department’s representative on the state Health Insurance Exchange Board.

A former Senior Vice President at MassMutual, Deputy Commissioner Dowling is a Chartered Financial Analyst (CFA) with more than 25 years of career experience in financial services.

Deputy Commissioner Dowling is also an active community volunteer, serving on numerous boards that support literacy, education, the arts and housing. She has a Bachelor’s of Arts degree from Amherst College in Fine Arts and French Literature and earned her M.B.A in Finance from Columbia University.

Henry Charles Eickelberg
Vice President, Human Resources & Shared Services
General Dynamics Corporation

Mr. Eickelberg is currently General Dynamics Corporation's Vice President, Human Resources & Shared Services. At General Dynamics, he is responsible for the corporation’s shared services center that performs a variety of payroll, payroll tax, travel expense reimbursements, and accounting functions. Mr. Eickelberg is also responsible for the design, administration and compliance of General Dynamics' numerous defined benefit pension plans, 401(k) plans, and health and welfare programs. In addition, he has oversight of the company’s occupational health and work-safety programs. In the area of mergers and acquisitions, Mr. Eickelberg has been directly responsible for negotiating the benefits and administrative aspects of over 50 major acquisitions and divestitures that General Dynamics has conducted during his tenure.

Outside of General Dynamics, Mr. Eickelberg is a frequent writer and speaker on a variety of human resources-related issues. He is an adjunct professor of law in the LL.M. program at the Georgetown University Law Center, where he teaches graduate level legal courses on various employee benefit topics.

Mr. Eickelberg is a fellow in the American College of Employee Benefits Council. He is a member of the American Benefits Council (ABC) and also serves on the Board of Directors of the ERISA Industry Committee (ERIC). He has chaired the ABC’s Legal Affairs committee and is past-Chairman of ABC’s Board of Directors.

Prior to joining General Dynamics, Mr. Eickelberg was an ERISA partner at Jenner & Block in Chicago, Illinois. He also spent nine years as a benefits consultant with William M. Mercer, Inc., a world-wide benefits consultancy. Mr. Eickelberg is a Certified Public Accountant (State of Illinois), received his B.S.C. in Accounting & Personnel Management from DePaul University, and his J.D. and LL.M. degrees from John Marshall Law School.

Brad Fluegel
Executive in Residence
Health Evolution Partners

Brad Fluegel is an Executive in Residence at Health Evolution Partners, where he supports sector teams for all funds. He has served on the boards of a variety of heath care technology and services companies and nonprofit organizations.

Most recently, Mr. Fluegel was Executive Vice President and Chief Strategy and External Affairs Officer of Wellpoint, Inc., the nation’s largest health benefits company, with more than 34 million members in its affiliated health plans and a total of more than 69 million individuals served through all subsidiaries. He was responsible for long-term strategic planning, government affairs, corporate communications including public relations, corporate marketing, corporate development, international expansion, innovation and new business ventures.

Prior to his tenure at Wellpoint, Mr. Fluegel was Senior Vice President, National Accounts and Vice President, Enterprise Strategy of Aetna, Inc., where he was responsible for developing and executing on strategies that expanded Aetna’s position as a leader in the large employer market. He also worked closely with Aetna’s executive committee and board to advance the company’s medium-and long-term business strategies, and ran an internal consulting group responsible for driving management process and operating efficiency across the enterprise.

Prior to his time at Aetna, Mr. Fluegel was Chief Executive Officer for Reden & Anders (Ingenix Consulting) and Tillinghast-Towers Perrin, a consulting, actuarial and management consulting practice that served all sectors of the health care industry. In addition to leading the firm, he sold and led a broad range of consulting projects to guide executive decision making for managed care organizations, health insurers, health care providers, and other organizations in the health industry.

Mr. Fluegel earned a Masters in Public Policy from Harvard University’s Kennedy School of Government and a Bachelor of Arts in Business Administration from the University of Washington. He also served as a lecturer at the University of Pennsylvania’s Wharton School of Business.

Philip Gaziano
President & Chief Executive Officer
Accountable Care Associates

Dr. Gaziano, President and CEO of Accountable Care Associates, is an Internal Medicine specialist and Geriatrics sub-specialist, and after training was appointed Assistant Clinical Professor at Tufts medical school. He has been medical director of Sub-Acute Rehab Units, Acute Rehab Hospital, and a LTAC hospital. He is the CEO of the newly formed Accountable Care Associates, L.L.C., a managed care MSO, where he oversees the data warehouse, data analytics and quality metrics services. He serves as medical director for ACA’s managed Medicare programs, case management services, disease management services, Blue Cross Blue Shield AQC program, and ACA physician networks that include more than 3,000 physicians. Dr. Gaziano has developed managed care infrastructure, including that for case management, complex disease management, coding, data analytics, and dedicated hospital rounding programs. He has assisted his organizations to provide services in global capitation programs for more the 12 years, and helped his physician network become one of the first in the state to become delegated to do its own complex disease management. Under his direction, quality, efficiency, and member satisfaction measures continue to improve, and enrollment in global capitation ACO-type programs continues to grow.

John Gorman
Founder & Chairman
Gorman Health Group

Under Mr. Gorman’s leadership, Gorman Health Group has become the leading professional services and solutions firm for government-sponsored health care, providing thought leadership and expert strategic, operational and technology-based solutions. In addition to numerous entrepreneurial ventures, Mr. Gorman speaks at dozens of industry conferences each year, reaching thousands of senior health care executives and professionals nationally. He is regularly quoted in the trade press and the national media, including The New York Times and The Wall Street Journal, and serves on the editorial advisory boards of several industry publications. He is frequently sought out by the investment community for his insights, analyses and predictions about the evolving government-sponsored managed care market.

Prior to founding his own company in 1996, Mr. Gorman served as Assistant to the Director of HCFA’s Office of Managed Care, where he provided day-to-day management and served as the external liaison for the Medicare and Medicaid managed care programs. During the 1993 debate on national health care reform, he was chief lobbyist on health care financing issues for the National Association of Community Health Centers, an organization of federally-funded primary care clinics for the medically underserved. Prior to that, he served as Press Secretary and Staff Director for U.S. Representative John Conyers, Jr. (D-MI), then-Chairman of the Government Operations Committee.

Edmund F. Haislmaier
Senior Research Fellow, Health Policy Studies
The Heritage Foundation

Edmund F. Haislmaier is Senior Research Fellow, Health Policy Studies at The heritage Foundation An expert in health care policy and markets at Heritage, he frequently is asked to help lawmakers design and draft specific reforms to the health system.

Mr. Haislmaier’s expertise includes health care tax policy, Medicare, Medicaid, foreign health systems, pharmaceuticals and health care price controls. He who works on related bills with both state and federal legislators, and developed innovative strategies for states to create consumer-centered health insurance markets by using their authority to regulate insurance.

Under his design, employers may opt to enroll workers in a state health insurance exchange, through which each worker then buys coverage of his or her choice. Employers avoid the difficulties of administering a traditional "one size fits all" group plan, while employees pick their own coverage and take it from job to job. This approach is a key element of Utah's health care reforms, adopted in 2009. And in recent years, 15 other states have asked Mr. Haislmaier and his colleagues in Heritage's Center for Health Policy Studies to help develop consumer-focused solutions for their troubled health systems.

Mr. Haislmaier is a regular speaker at conferences on health policy and has testified before numerous federal and state legislative committees. He is a frequent guest on radio and television news and talk shows, and his commentaries have been published in The Washington Times, New York Post and National Review Online, among many others.

Before rejoining Heritage in 2005 as a research fellow, Mr. Haislmaier worked as a health policy consultant from 1998-2004 and was director of health care policy in Pfizer Inc.'s Corporate Strategic Planning and Policy division from 1994-1997.

He originally came to Heritage in 1987 as the think tank's first policy analyst for health care. He was named senior policy analyst in 1994 and promoted to senior research fellow in 2007.

Mr. Haislmaier is a member of the board of directors of the National Center for Public Policy Research. He holds a bachelor's degree in history from St. Mary's College in Maryland.

John Hickman
Partner and Head, Health Benefits Practice
Alston & Bird

John Hickman is head of the Alston & Bird, LLP Health Benefits Practice, where he leads five attorneys devoted exclusively to health care reform issues under PPACA, HIPAA privacy, flexible benefits, and other health & welfare benefit issues. Mr. Hickman has been a pioneer in the consumer directed health care arena and has worked closely with health plans, financial institutions and employers as well as the IRS, Treasury, and DOL in developing guidance for tax-favored health reimbursement arrangements (HRAs) and health savings accounts (HSAs).

Mr. Hickman is a fellow of the American College of Employee Benefits Counsel and has been listed in The Best Lawyers in America (Woodward/White) and Who’s Who Legal in the employee benefits area. He has lectured widely and published articles on HSAs, HIPAA, ERISA litigation, cafeteria and health plan issues. He is co-author of the Cafeteria Plans Manual, Health Care Reform, HIPAA Portability and Privacy, and Consumer-Driven Health Care (published by the Employee Benefits Institute of America). Mr. Hickman is head of the Technical Advisory Committee and is on the board of the Employers Council on Flexible Compensation (ECFC). He is also an adjunct professor of law at Emory University School of Law.

Gary Jacobs
Managing Director, Health Advisory Practice for Government Programs
PricewaterhouseCoopers

Gary Jacobs is managing director of the Health Advisory Practice for Government Programs at PricewaterhouseCoopers in Washington, D.C., where he leads an initiative to assist health care providers, health insurance companies and pharmaceutical companies develop strategies for Medicare, Medicaid, shared-savings programs, state dual integration efforts and managed long-term care models.

Prior to joining PwC, Mr. Jacobs was senior vice president corporate development and strategic planning for Universal American, where he was responsible for implementing enterprise wide planning initiatives, strategic alliances, government affairs, and the identification of acquisitions and new business opportunities. During his tenure UAM, he completed more than 12 acquisitions of health insurance and health care organizations. His focus was on identifying trends through federal and state policy initiatives and targeting companies that possessed the core competencies to expedite UAM’s entry into that market.

In 1994, Mr. Jacobs formed Capitated Health Care Services, Inc., a national geriatric care management company specializing in long-term care systems, which was sold in August of 2000 to Universal American, after which he served as president of CHCS, a third party administrator focusing on senior health insurance and non-insurance products.

Prior to that, he was executive director of Broward Community Health Plan, chairman of the board of Sunshine Health Center, a senior project director for the Group Health Association of America (GHAA) and a program coordinator for the National Association of County Health Officers.

Mr. Jacobs is a frequent speaker on health policy and health reform issues with a particular emphasis on Medicare, Medicaid, dual eligibles and managed long-term care. He received a Bachelor of Arts degree from Boston University with a Master’s in Public Administration from American University.

Erik Johnson
Senior Vice President
Avalere Health

Erik Johnson is a Senior Vice President with Avalere Health, focusing his practice on health care IT, hospital operations, and finance.

Prior to joining Avalere, Mr. Johnson was a Managing Director with Manatt Health Solutions, heading the D.C. office and leading long-term customer engagements focusing on the application of health IT to clinical challenges and opportunities, with a specific focus on clinical decision support and developing patient-centered medical home strategies for large integrated delivery networks. He previously spent five years at the Advisory Board Company as Managing Director for its health IT and hospital finance research practices, respectively.

From 1998-2003, Mr. Johnson served in various management and executive capacities at MicroStrategy, a developer of business intelligence software. His last post at MicroStrategy was as Vice President of Global Technical Account Management, where he redesigned the company´s methodology of delivering consulting and technical services to Global 2000 clients. He started his career in health care in 1992, as a budget examiner and deputy branch chief for Health Finance in the Office of Management and Budget.

Mr. Johnson has an A.B. with honors and distinction from Stanford University and an M.B.A from the Stanford Graduate School of Business.

Kevin Kickhaefer
Head, Sales & Market Development
Bloom Health

Kevin Kickhaefer leads all sales and distribution efforts across all segments and markets at Bloom Health, a company that pioneered the defined contribution approach in health care. Bloom Health, located in Minneapolis, has created defined contribution private health insurance exchanges for several large health insurance carriers across the country.

Prior to joining Bloom Health, Mr. Kickhaefer led national sales and new business initiatives for several Fortune 500 Companies. While at CIGNA HealthCare, he developed and managed innovative and successful new business relationships as the Vice President of National Accounts. Prior to CIGNA, Mr. Kickhaefer was the Sales Director at Aetna in Chicago, where he built and expanded its mid-size and large employer markets. He has been recognized nationally for leading the country in sales for both companies.

Mr. Kickhaefer has a B.S. in finance and accounting from Kansas State University.

Kenneth E. Kobylowski
Acting Commissioner
Department of Banking & Insurance
State of New Jersey

Mr. Kobylowski was named Acting Commissioner of Banking and Insurance by Governor Chris Christie effective February 11, 2012, pending Senate confirmation of Mr. Kobylowski’s appointment as Commissioner.

Mr. Kobylowski joined the Department of Banking and Insurance as Chief of Staff in February 2010 and took on the additional role of Acting Director of Banking in October 2011.

He served as the Chief Operating Officer for the Department with full responsibility for all legislative, regulatory, operational and administrative matters and also served as the department’s liaison with other state departments and federal agencies, notably the Federal Reserve and the FDIC.

Acting Commissioner Kobylowski was instrumental in leading the department through successful reaccreditations by both the National Association of Insurance Commissioners and the Conference of State Bank Supervisors.

Prior to joining the Department, Acting Commissioner Kobylowski was in private law practice for 20 years, representing a wide array of clients, including banks, insurance companies, lenders, developers and public and private entities.

He is a magna cum laude graduate of Seton Hall University and a cum laude graduate of New York Law School.

Robert Laszewski
President
Health Policy and Strategy Associates

Robert Laszewski is President of Health Policy and Strategy Associates. Before beginning his business in 1992, Mr. Laszewski had twenty years of experience in the insurance industry, serving as a chief operating officer for nine of those years,

He has participated extensively in the nation’s health care debate and been a regular contributor on the issue for a number of the national television and radio networks, as well as major newspapers and trade journals.

Mr. Laszewski has also participated globally, having chaired two international meetings recently in Washington, D.C., on the issue of international prescription drug pricing and the use of medical technology in Europe compared to the U.S.

His marketplace practice concentrates on how health insurance companies, HMOs, Blue Cross plans, workers’ compensation carriers and provider organizations come to grips with market change.

Mr. Laszewski publishes a blog read by thousands of people each month, Health Care Policy and Marketplace Review.

Dr. Tom Lundquist
Chief Clinical Information Officer, Mountain States Health Alliance’s Integrated Solutions Health Network; and President and CEO, AnewCare ACO

Formerly Vice President, Performance Measurement and Improvement of Health Care Services, BlueCross BlueShield of Tennessee

Dr. Tom Lundquist was the vice president of performance measurement and improvement of health care services at BlueCross BlueShield of Tennessee. In this role, Dr. Lundquist served as medical director and lead clinician working with medical informatics to evaluate and apply clinical metrics to improve the performance of the health care delivery system. Additionally, Dr. Lundquist oversaw quality management and accreditation for URAC and the National Committee for Quality Assurance, as well as oversight audits of TennCare and Volunteer State Health Plan.

Before BlueCross, Dr. Lundquist served as vice president and chief medical officer for Wexford Health Services, a company with $180 million in annual revenue. There he led clinical operations, established a new medical leadership branch of the company and led efforts to develop clinical quality expectations. In addition, Mr. Lundquist introduced a statewide electronic health record in Mississippi and launched a new business line that focused on non-privatized markets.

Lundquist previously worked for I-trax Health Management Solutions Inc. as the executive vice president and chief medical officer. In this position, he oversaw clinical operations and developed all clinical wellness and disease management services for a staff of over 750 providers.

Lundquist received his Master’s in medical management from Carnegie Mellon University in Pittsburgh and completed his Doctorate of Medicine and residency at Johns Hopkins University School of Medicine. In 2006 he joined the teaching staff of the H. John Heinz III School of Public Policy & Management at Carnegie Mellon as an adjunct professor for the Masters in Medical Management program.

Thomas P. Miller, J.D.
Resident Fellow
American Enterprise Institute

Thomas Miller, a Resident Fellow at the American Enterprise Institute, is a former senior health economist for the Joint Economic Committee (JEC). He studies health care policy and regulation. A former trial attorney, journalist, and sports broadcaster, Mr. Miller is the co-author of Why ObamaCare Is Wrong For America (HarperCollins 2011) and heads AEI's "Beyond Repeal & Replace" health reform project. He has testified before Congress on issues including the uninsured, health care costs, Medicare prescription drug benefits, health insurance tax credits, genetic information, Social Security, and federal reinsurance of catastrophic events. While at the JEC, he organized a number of hearings that focused on reforms in private health care markets, such as information transparency and consumer-driven health care.

Mr. Miller’s prior experiences include Member, National Advisory Council, Agency for Healthcare Research and Quality, HHS; Senior Health Economist, Joint Economic Committee, U.S. Congress; Director, Health Policy Studies, Cato Institute; Program Director, Economic Policy Studies; and Senior Policy Analyst, Competitive Enterprise Institute. He received his J.D. from Duke University Law School and B.A. in political science from New York University.

Marisa Milton
Vice President, HR Policy, Strategy & Compliance
Marriott International, Inc.

Marisa Milton joined Marriott International, Inc. as Vice President, HR Policy, Strategy and Compliance in 2012. She has overall responsibility for the strategy of the benefits programs provided to more than 100,000 Marriott associates and their families, including health, retirement and paid leave. Prior to joining Marriott, she was a partner with the law firm McGuiness and Yager, where she served as VP of Health Care Policy and Government Relations for the HR Policy Association, an organization that represents the chief human resource officers of more than 320 of the largest corporations in the United States. Ms. Milton also served as a policy advisor to then U.S. Senator Paul Sarbanes. She received her law degree from Georgetown University Law Center and her undergraduate degree from Towson State University.

Pamela Morris
President and CEO
CareSource

Pamela Morris, President and CEO of CareSource, has more than 30 years of executive-level experience in managed health care and the public sector. Ms. Morris pioneered Ohio's first mandatory Medicaid managed care program when she launched CareSource in 1989. With more than 900,000 members in Ohio and Michigan generating $3.3 billion in revenue, CareSource is the second largest Medicaid managed care plan in the nation. In addition to being a 2007 Ernst and Young Entrepreneur of the Year®, Ms. Morris and her executive team were named the Top Leadership Team in Healthcare for health plans in 2008 by HealthLeaders Media. She serves on the Board of Trustees for the Dayton Development Coalition, is a member of the Montgomery County Human Services Levy Council and Chairs the United Way of the Greater Dayton Area and Hospice of Dayton Boards. She earned a bachelor of arts degree from West Virginia University.

Joseph G. Murphy
Commissioner
Massachusetts Division of Insurance

Joseph G. Murphy was appointed Commissioner of the Commonwealth of Massachusetts Division of Insurance on February 8, 2010. He had served as Acting Commissioner for the six months prior to his appointment, and was previously the Division’s First Deputy Commissioner, with oversight of its day-to-day operations, its 130 employees and $13 million budget.

Since taking office, Commissioner Murphy has played an active role in ensuring that the Division appropriately balances the needs of the industry with the protection of the consumers it serves. For example, he has been centrally involved in the state’s implementation of auto insurance reform, as well as stabilization of health insurance costs for individuals and small businesses across the Commonwealth.

Under Commissioner Murphy’s leadership, the Commonwealth took unprecedented steps to contain the cost of health insurance in Massachusetts while maintaining access to quality care. For the first time ever, the Division exercised its statutory authority to proscribe excessive insurance rates; its careful negotiation with the state’s insurers netted more than $100 million in savings for Massachusetts businesses and working families. Murphy was also a key player in Governor Patrick’s reform of Massachusetts’ automobile insurance marketplace; the state’s move to managed competition in auto insurance has attracted 13 new companies into the state – including some of the nation’s largest carriers – while saving good drivers over $500 million in premiums and introducing innovative products aimed at the needs of 21st century families.

Commissioner Murphy is active in the National Association of Insurance Commissioners, where he serves as Chair of the Northeast Zone, encompassing states from Maine to Maryland and the District of Columbia. He also leads and serves on a number of committees, including the Executive Committee, Government Relations Leadership Council, Property and Casualty Committee and Reinsurance and Solvency Modernization Task Force. In addition, Murphy is Chair of the Finance Committee and Vice-Chair of the Communications Committee of the Interstate Insurance Product Regulation Commission.

A native of Quincy, Massachusetts, Commissioner Murphy is a graduate of Suffolk University. He resides in Charlestown, Massachusetts.

Thomas A. Scully
Senior Counsel, Alston & Bird, LLP
General Partner, Welsh, Carson, Anderson & Stowe
Former CMS Administrator

Tom Scully focuses his Alston & Bird practice on health care regulatory and legislative matters. He is also a general partner with Welsh, Carson, Anderson & Stowe, a private equity firm in New York. Mr. Scully was the administrator of the Centers for Medicare & Medicaid Services from 2001 to 2004. At CMS, Mr. Scully had an instrumental role in designing and passing Medicare reform and Medicare Part D legislation and in making the vast agency more open and accountable to the public. He initiated the first public reporting and disclosure for comparative quality among hospitals, nursing homes, home health agencies and dialysis centers. Before joining CMS, from 1995 to 2001 Mr. Scully served as president and CEO of the Federation of American Hospitals, which represents 1,700 privately owned hospitals. Prior to that, he was a partner at Patton Boggs, LLP, from 1993 to 1995; deputy assistant to the president and counselor to the director of OMB in 1992-1993; and associate director of OMB from 1989 to 1992.

Chantel Sheaks
Principal, Government Affairs
Buck Consultants

Chantel Sheaks is a principal of Government Affairs in the National Technical Resources Group of Buck Consultants. Her expertise covers a range of issues, including health care reform, pension funding legislation and reporting, disclosure legislation and regulations, retirement plans, phased retirement, the aging workforce, benefit plan administration, fiduciary issues, ERISA litigation and health and productivity.

Ms. Sheaks is one of Buck’s pre-eminent technical experts and spokespersons regarding the company’s interpretation of and position on regulations, legislation and court decisions.

Before joining Buck, Ms. Sheaks served as Legislative Counsel at Georgetown University for tax and benefits on its Workplace Flexibility 2010 project. Prior to that, she was a partner at the law firm of McDermott Will & Emery LLP.

Ms. Sheaks produces consistent commentary regarding developments on health care reform and its impact on employers, employees and the general public. These pieces, along with her strong background and industry expertise, have resulted in her being a regular expert source for several major news and industry publications.

Ms. Sheaks received her Juris Doctor from Northeastern University School of Law and Bachelor of Arts degree in Spanish and Russian from Randolph-Macon Woman’s College. She is a member of the District of Columbia, Georgia and Virginia Bar Associations and an Adjunct Professor of Law at Georgetown University Law Center.

Richard L. Snyder, M.D.
Senior Vice President and Chief Medical Officer
Independence Blue Cross

Richard Snyder, M.D. is the Senior Vice President and Chief Medical Officer for the Independence Blue Cross Family of Companies, where he has been employed since 1997. In that capacity, he has accountability for all care management activities including utilization management, case management, disease management, medical policy, population health and wellness and pharmacy management. He also has accountability for the popular Healthy LifeStyles programs, quality management, health plan accreditation, credentialing, and oversight of delegated activities.

Dr. Snyder is co-Chair of the Chronic Care Management, Reimbursement, and Cost Reduction Commission of the Commonwealth of Pennsylvania that has a goal to improve the quality and coordination of health care delivery and promote self-management for Pennsylvanians with chronic illnesses.

He was a longstanding Surveyor for the National Committee for Quality Assurance and has served as Chair of the Review Oversight Committee responsible for the accreditation determinations for health plan Accreditation Surveys, and the Reconsideration Committee. He also serves on the Board of the Pennsylvania Health Care Quality Alliance.

Kenneth L. Sperling
National Health Exchange Strategy Leader
Aon Hewitt

Mr. Sperling is responsible for business strategy, thought leadership, and service innovation across Aon Hewitt’s health exchange businesses. During his 20-year tenure with Hewitt Associates, he has advised many Fortune 500 companies on their health care strategies and is a respected resource to the Wall Street community on health care market trends. From 2005 to 2009, Mr. Sperling was a senior vice president at CIGNA, working in both the National Accounts and Senior Segment organizations. He continues to be a key resource on Aon Hewitt’s health care reform team, advising members of Congress and the Administration in the development and implementation of health care reform legislation. Prior to assuming his current role, he was Aon Hewitt’s Global Health Care Practice Leader. Mr. Sperling is a graduate of Duke University and earned a Masters in Business Administration from New York University.

Jeff Welch
Divisional Vice President of Consumer and Emerging Markets
Health Care Service Corporation

Jeff Welch is currently Divisional Vice President of Consumer and Emerging Markets at Health Care Service Corporation, where he is responsible for developing and implementing HCSC’s strategy for various emerging health care distribution opportunities.

Mr. Welch has over 19 years of health care management experience in marketing, sales distribution and strategy. His extensive and diverse industry experience includes working with individual, small group, national accounts, managed care HMOs, as well as Medicare and Medicare Supplement products. His leadership and business acumen have been instrumental in the development of innovative sales methodology, and ne has dramatically broadened distribution efforts and brought about improvements in adaptive technology.

Mr. Welch holds a Bachelor's degree in marketing from St. Joseph College.

Steve Zaharuk
Senior Vice President
Moody’s Investors Service

Steve Zaharuk is a Senior Vice President in the Life and Health Insurance Group at Moody’s Investors Service. Within the Life and Health Insurance Group, he is responsible for the ratings of all companies within the health care sector. Prior to joining Moody’s, Mr. Zararuk was a consultant with PricewaterhouseCoopers and prior to that was with Prudential. He has over 35 years of actuarial experience, 20 in the health care sector. Mr. Zaharuk earned a B.S. in mathematics from Manhattan College. And is a Fellow of the Society of Actuaries and a Chartered Financial Analyst.