Karen Pollitz
Kevin Lucia
Eliza Bangit
Jennifer Libster
Mila Kofman
Leyland McGannGEORGETOWN UNIVERSITY
Health Policy Institute

The authors wish to express appreciation to Elizabeth Hadley, Robert Imes, Stephanie Lewis, Lauren Polite, Jalena Specht and Nicole Topay for their work developing earlier editions of these guides.

The authors also wish to express appreciation to the staff of the Washington State Office of the Insurance Commissioner and the United States Department of Labor.  Their help was invaluable in our research and understanding of Washington state and federal law and policy. Without them, this guide would not have been possible.  However, any mistakes that may appear are our own.