About the authors

Joel Allumbaugh is Chief Executive Officer of National Worksite Benefit Group, Inc. (NWBG). Joel co-founded NWBG in 2003, a full service employee benefits insurance agency specializing in patient-centered health plan strategies. Joel serves as the Director of the Center for Health Reform Initiatives at The Maine Heritage Policy Center. He is past director of the Maine Association of Health Underwriters where he served as President from 2002-2003 and from 2007 to 2011. Joel is a licensed life and health insurance consultant and continuing education instructor. Joel hosted Inside Maine Healthcare, a television program aired on the Time Warner Cable network from 2010 to 2012.

2011: Appointed by Governor LePage to the Advisory Committee on Maine’s Health Insurance Exchange
2011: Appointed by Governor LePage and confirmed by the Maine Legislature to the Maine Governmental Facilities Authority
2011: Appointed by Maine Superintendent of Insurance, Eric Cioppa, to the Maine Guarantee Access Reinsurance Association

Steve Gerlach is a Chambers rated ERISA attorney and a member of Bernstein Shur’s Labor & Employment Practice Group. He represents businesses and nonprofit employers in matters of executive compensation, employee benefits, the Affordable Care Act and ERISA.