Paul Fronstin, Ph.D., is director of the Health Research and Education Program at the Employee Benefit Research Institute (EBRI). EBRI is a private, nonprofit, nonpartisan organization committed to original public policy research and education on economic security and employee benefits. He is also director of the Institute’s Health Research and Education Program. Dr. Fronstin’s research interests include trends in employment-based health benefits, consumer-driven health benefits, the uninsured, retiree health benefits, employee benefits and taxation, and public opinion about health care. He currently serves on the steering committee for the Emeriti Retirement Health Program. Dr. Fronstin has testified before Congress numerous times and has appeared before many groups to share his expertise on employee benefits. He also has made numerous presentations for congressional staff and the media. He earned his Ph.D. from the University of Miami.