Judy Korynasz, Beneficiary witness, caregiver for her mother, Hillsboro, OR

Barbara Bovbjerg, Director, Education, Workforce and Income Security Issues, US General Accountability Office, Washington, DC

N. Joyce Payne, Member, AARP Board of Directors, Washington, DC

Laura Summer, Senior Research Scholar, Georgetown University, Health Policy Institute, Washington, DC

Lisa Emerson, Program Manager, The Senior Health Insurance Benefits Assistance (SHIBA)/ Director, Oregon State Health Insurance Counseling and Assitance Programs (SHIPs), Salem, OR