Terry Holman

Mr. Holman serves as the Chief Executive Officer of DIRECTtotheSOURCE, Inc. an issue specific consultancy. Since 1995 Mr. Holman has been actively engaged in the establishment of Medical Savings Account (MSA) and Health Savings Account (HSA) healthcare plans both through legislation and in the marketplace.

Regina E. Herzlinger

Regina E. Herzlinger, Ph.D. is the Nancy R. McPherson Professor of Business Administration Chair at the Harvard Business School. She was the first woman to be tenured and chaired at Harvard Business School and the first to serve on a number of corporate boards. She has written many articles and books in the fields of governance, health care, and nonprofit organizations. She is currently researching the transformation of the American health care industry and oversight issues.

Devon M. Herrick, Ph.D.

Devon Herrick, Ph. D., is a preeminent expert on 21st century medicine, including the evolution of Internet-based medicine, consumer driven health care and key changes in the global health market. He was among the first to identify and publish in-depth studies on medical tourism, telemedicine, and “shopping for drugs” strategies.

The Rising Burden of Health Spending on Seniors

The United States spends about 17 percent of its national income on health care, the highest in the world.  Some have wondered how high spending can go and what difference it will make.  In thinking about that question, the experience of our senior citizens provides a vital clue.