1. Paul Fronstin ( ) is a senior research associate at the Employee Benefit Research Institute, in Washington, D.C.
2. Martín J. Sepúlveda is an IBM Fellow and vice president of health industries research for the IBM Corporation, in Somers, New York.
3. M. Christopher Roebuck is president of RxEconomics, a health economics and policy consulting firm in Hunt Valley, Maryland.