Janemarie Mulvey, Ph.D., is an economist and award-winning author with more than 25 years of experience in the analysis of health and long-term care financing, taxation, and retirement security issues. As a senior health economist at the Congressional Research Service (CRS) during enactment and implementation of the Affordable Care Act, Dr. Mulvey advised members of Congress and their staffs on key issues of the law and the nuances and complexities relating to implementation issues. As the Small Business Administration's chief economist within the Office of Advocacy and earlier as deputy director of the Research Center at Towers Watson, Dr. Mulvey gained extensive experience in the analysis of public policies affecting both large and small employers.