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[\'John Hsu (john.hsu@mgh.harvard.edu) is director of the Clinical Economics and Policy Analysis Program at the Mongan Institute Health Policy Center, Massachusetts General Hospital, and an associate professor in the Departments of Medicine and of Health Care Policy, Harvard Medical School, all in Boston, Massachusetts.\', \'Chia Yi Chin is a senior consulting actuary at the Wakely Consulting Group, in Tampa, Florida.\', \'Max Weiss is a research analyst at the Mongan Institute, Massachusetts General Hospital.\', \'Michael Cohen is a senior consultant, Policy Analytics, Wakely Consulting Group.\', \'Jay Sastry is an undergraduate at Harvard University, in Cambridge, Massachusetts, and a clinical research assistant at the Mongan Institute, Massachusetts General Hospital.\', \'Nina Katz-Christy is an undergraduate at Harvard University and a clinical research assistant at the Mongan Institute, Massachusetts General Hospital.\', \'John Bertko is the chief actuary and director of research, State Health Benefit Exchange, Covered California, in San Francisco, California.\', \'Joseph P. Newhouse is the John D. MacArthur Professor of Health Policy and Management in the Department of Health Care Policy, Harvard Medical School; the Department of Health Policy and Management at the Harvard T. H. Chan School of Public Health, in Boston, Massachusetts; and the Harvard Kennedy School, in Cambridge, Massachusetts. He is also a faculty research fellow at the National Bureau of Economic Research in Cambridge.\']
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