Martin A. Strosberg is associate professor in the Graduate Management Institute at Union College. Joshua M. Wiener is a senior fellow in the Economic Studies program at Brookings. He is the coauthor of Sharing the Burden: Strategies for Public and Private Long-Term Care Insurance (Brookings, 1994) and Caring for the Disabled Elderly: Who Will Pay? (Brookings, 1988). Robert Baker is director of the Mount Sinai School of Medicine in the Union Graduate College and professor of bioethics and philosophy at Union College. I. Alan Fein is senior medical director of research and development at Executive Health Resources. Previously, he was a research professor in the College of Public Health at the University of Florida.