Balancing the Bills – Policy Solutions to Address Surprise Billing

Al Bingham, FSA, MAAA, is a senior consulting actuary at Wakely Consulting Group. He is a seasoned senior health care actuarial professional and executive with over 35 years of significant consulting and leadership experience with insurance, managed care, health care providers, large employer health and welfare plans, and regulatory agencies. Prior to joining Wakely in 2016, Bingham was the director of the Office of Special Initiatives and Pricing in the Center for Consumer Information and Insurance Oversight at the Centers for Medicare and Medicaid Services (CMS). In that role, he functioned as the chief actuary at CMS for the commercial aspects of the Affordable Care Act. He formerly was an executive director of actuarial services for Kaiser Permanente, responsible for all actuarial services for the eastern regions. Bingham served the American Academy of Actuaries as a board member from 2005 to 2010 and as vice president and chair of the Health Practice Council from 2009 to 2010.  During that time, he led the HPC in contributions and advice to policy makers regarding health reform and the ultimate passage of ACA.

Jack Hoadley, Ph.D., M.A., is a research professor emeritus at the Georgetown University Health Policy Institute. He retired in 2017 but continues to conduct research on a part-time basis. In 35 years as a health policy researcher, he has studied a wide range of health financing topics focusing on Medicare, Medicaid, and private health insurance. Recent papers have addressed access, costs, and coverage for prescription drugs; Medicaid coverage for children and families in small towns and rural areas; the Medicare Part D drug benefit; insurance exchanges under the Affordable Care Act; and consumer protections around surprise medical bills. Hoadley has completed six years as a commissioner on the Medicare Payment Advisory Commission (MedPAC). He holds a Ph.D. in political science. Prior to arriving at Georgetown in 2002, he held staff positions at the Department of Health and Human Services, MedPAC, the Physician Payment Review Commission, and the National Health Policy Forum.

Frederick Isasi, J.D., MPH, is the executive director of Families USA. Isasi frequently testifies in Congress and is a well-known national speaker on Medicaid, state innovation, health system transformation, behavioral health, and the social determinants of health as well as health care quality, payment, and equity issues. Isasi’s passion for health care reform began when he was growing up in North Carolina as the son of Cuban immigrants. There, he saw firsthand many of the barriers to health care experienced by the poor, people of color, people with language barriers, and rural communities. Before joining Families USA, Isasi served as the health division director at the bipartisan National Governors Association’s (NGA) Center for Best Practices. Prior to NGA, Isasi served as vice president for health policy at Advisory Board, where he founded its Health Policy Department. Prior to this work, Isasi served as senior legislative counsel for health care on both the U.S. Senate Finance Committee and Senate Committee on Health, Education, Labor, and Pensions (HELP) for former Senator Jeff Bingaman (D-NM), the only Democrat serving on both committees during the creation of the Affordable Care Act. Earlier in his career, Isasi served as a health care attorney with Powell Goldstein, where he worked closely with states on Medicaid reforms and represented public hospitals; prior to that, he served as senior policy advisor to the District of Columbia Primary Care Association. Isasi holds a J.D. from Duke University, an MPH from the University of North Carolina, and a B.S. in Cellular Biology and a second major in Spanish from the University of Wisconsin.


Sarah Kliff is an investigative reporter at the New York Times. She is one of the country’s leading health policy journalists, who has spent nearly a decade chronicling Washington’s battle over the Affordable Care Act. Her reporting has inspired new legislation in Congress, been cited by the Supreme Court, and resulted in multiple hospitals revising their billing policies. Before joining the Times, Kliff was a senior policy correspondent at Her last project there focused on the high cost of emergency room care and relied on a crowdsourced database of more than 2,000 patient bills that her readers submitted to Vox. At Vox, she was also the creator and host of the Impact, a podcast about how policy effects people. Prior to joining Vox, Kliff covered health policy for the Washington Post, where she was a founding writer at Wonkblog, a blog dedicated to making complicated policy easily understandable. She has also covered health policy for Politico and Newsweek magazine. Kliff is the recipient of multiple reporting awards, including fellowships from the Association of Health Care Journalists and the Annenberg School of Journalism at the University of Southern California. She is a frequent television guest and has appeared on CBS, PBS, Fox News, CNN, and MSNBC. She enjoys public speaking and, most recently, has presented at the Harvard Kennedy School of Government, the Aspen Ideas Festival, the Colorado Health Institute and the California Health Care Foundation. Kliff is a graduate of Washington University in St. Louis.