The Individual Market at a Crossroads

Deep Banerjee  is a director with S&P Global Financial Services Ratings Group. He is the life and health insurance sector lead for North American Insurance Ratings, and he covers a portfolio of publicly-traded and private insurance companies. He is also involved in the criteria development process and publishes commentary articles on relevant topics. Related to the health insurance sector, he has published on health insurance reform related topics, including market trends, risk corridors, and other premium stabilization programs. Deep is a speaker at industry conferences and investor events on relevant topics. Before joining the Insurance group, Deep was working in the Corporate Ratings team at S&P Global Ratings. He received his Bachelor of Arts from Marietta College in Ohio.

Karen Pollitz is a senior fellow at the Kaiser Family Foundation.  She works on the Program for the Study of Health Reform and Private Insurance, tracking implementation of private market reforms with a focus on consumer protections. Prior to joining the foundation, she worked at the U.S. Department of Health and Human Services on national health reform (2010-2011 and 1993-1997) and directed research on private health insurance at the Georgetown University Health Policy Institute. She has a master’s degree in public policy from the University of California, Berkeley, and a B.A. from Oberlin College.

Cori Uccello is an actuary and the senior health fellow at the American Academy of Actuaries. She serves as the actuarial profession’s chief public policy liaison on health issues. In this role, she promotes the formulation of sound health policy by providing nonpartisan technical assistance to federal and state policymakers and regulators. Ms. Uccello helped lead the Academy’s efforts to provide guidance to federal and state regulators regarding the implementation of various provisions in the Affordable Care Act, including those related to coverage and market reforms, actuarial value, and risk-sharing mechanisms. She is also actively involved in the Academy’s efforts to encourage policymakers to improve Medicare’s financial condition and recently completed two terms serving as a commissioner on the Medicare Payment Advisory Commission (MedPAC). Prior to joining the Academy, Ms. Uccello was a senior research associate at the Urban Institute, where she focused on health insurance and retirement policy issues. She is a graduate of Boston College and received a master’s degree in public policy from Georgetown University.

Brian Webb is the assistant director for health policy and legislation for the National Association of Insurance Commissioners (NAIC). The NAIC represents the insurance regulators in all 50 states, the District of Columbia, and 5 U.S. territories. Before joining the NAIC, Mr. Webb worked on Medicare and Medicaid policy for the BlueCross BlueShield Association and, prior to that, was the assistant vice president for legislation for the then-Federation of American Health Systems (FAHS). He began working on health care policy in Washington, D.C., in 1988, as a legislative aide for Rep. Bill Thomas. After six years with Rep. Thomas, Mr. Webb worked five years in California Gov. Pete Wilson’s Washington, D.C., office as health and welfare aide and deputy director. Mr. Webb has a master’s degree in public administration from George Washington University, and a bachelor’s degree from BIOLA University in California.


Sarah Dash is president and co-CEO of the Alliance for Health Reform. Previously, Ms. Dash was a member of the research faculty at the Georgetown University Health Policy Institute in the Center on Health Insurance Reforms and served as a senior health policy aide on Capitol Hill. She received her master’s degree in public health from Yale University and a bachelor of science from MIT.