About the Authors

Michael Bond, Ph.D., is Director of the Center for Health Care Policy at The Buckeye Institute and a professor in the Department of Finance at Cleveland State University. His work on Medical Savings Accounts (MSAs) and health-care policy reform has received national attention and appeared in a wide range of professional and popular publications, including Health Care Financial Management, Public Personnel Management, Compensation and Benefits Review, Benefits Quarterly and Business Horizons. He is the author of the nation's first practical guide to establishing MSAs (published by The Buckeye Institute in 1997). He earned his Ph.D. and M.A. in economics from Case Western Reserve University.

John C. Goodman, Ph.D., is President of the National Center for Policy Analysis, a national think tank based in Dallas, Texas. Called the Father of Medical Savings Accounts, Dr. Goodman is author of numerous books, including the textbook Economics of Public Policy and the award winning Patient Power: Solving America's Health Care Crisis (with Gerald Musgrave). He is the author of over 50 published articles on health policy, tax reform and school choice. Prior to founding NCPA in 1983, Dr. Goodman was a professor of economics at the University of Dallas and has taught or conducted research at Columbia University, Stanford University, Dartmouth University and Southern Methodist University. He earned his Ph.D. in economics from Columbia University

Ronald L. Lindsey is a Senior Fellow at the National Center for Policy Analysis and principal of Lindsey and Associates, a private consulting firm specializing in public-management issues. He is a former Commissioner of the Texas Department of Human Services, director of the state's budget office and health care finance analyst for the Texas legislature. Mr. Lindsey specializes in analyzing, evaluating, designing, implementing and managing a wide range of public and private programs. His expertise encompasses topics including appropriation processes, program and performance evaluation, spending and revenue requirements and options, budgetary effectiveness, change management, policy development and implementation, state finance and accounting systems, health and human services, water rights, insurance, records archiving and technology.

Richard Teske is an independent writer and consultant on political and health care policy. For a quarter century he has advised and worked with international, federal and state government leaders and many of the largest managed care, pharmaceutical, biotech, medical technology, long term care and hospital companies. He is recognized as an expert on market-oriented Medicare, Medicaid, Long Term Care and Uninsured Reform, having served for almost eight years in the Reagan Administration in a variety of capacities including Official HHS Liaison to the White House, Principal Deputy Assistant Secretary at HHS, and Associate Administrator for the Health Care Financing Administration (HCFA).