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Giving Microeconomics a Human Face Public Policy professor Manisha Shah’s research bridges a worldwide gap between health, economics and education

By Stan Paul

At age 16, Manisha Shah went to the Andes Mountains of Ecuador — her first chance to dig into “real development work.” The task after a year of fundraising and training? Building latrines in rural communities. Soon after arrival, however, she realized that everyone there “already knew how” to build latrines.

What they actually needed was financing and supplies. “That is what we helped facilitate — paying for and transporting supplies to this faraway town in the middle of the mountains.”

The experience in Ecuador was transformative for Shah, now an associate professor of public policy at UCLA Luskin. It enhanced a developing global view nurtured as a child during family visits to see her grandparents in India, where she saw “poverty all around her.”

Her youthful travels helped put Shah on the path to her career in academia and research around the world — from Mexico to India, Tanzania to Indonesia — and eventually to the Luskin School of Public Affairs.

“Never in a million years would I have predicted that I would be a tenured professor at UCLA,” Shah said. “I feel so lucky to be doing what I love at one of the best universities in the world.”

Getting There

Today, Shah focuses her teaching and research on the intersection of applied microeconomics, health and development. She is supported by organizations that include the Bill and Melinda Gates Foundation, the William and Flora Hewlett Foundation, and the World Bank.

An example of her work is a recent study, “Investing in Human Capital Production: Evidence from India,” that fills a substantial gap in development literature related to whether early-life investments encourage more educational investments later on, whether low-skill wages in rural India increase school dropouts, and whether rural schools produce gains in consumption later in life. The results have widespread implications for family and individual well-being, economic growth and national competitiveness for the country of over a billion people.

Her research affiliations and teaching might suggest otherwise, but Shah’s path was not exactly a straight one. “I don’t think I had a direct route. In fact, it was very indirect,” said Shah, who sought work abroad after earning undergraduate degrees in economics and development
at Berkeley.

“I quickly learned how difficult it is to find a job that will actually pay you to do international work,” she said.

She wound up in a one-year program at the London School of Economics where her master’s thesis in development economics examined HIV/AIDS issues in India and how NGOs were working to fill gaps in countries that were slow to react to potential epidemics.

“This was 1996-97. Getting HIV in a developing country was a death sentence, and so many countries were doing little to publicly acknowledge they even had an HIV problem,” Shah said.

Next was Mexico, and work at the International Maize and Wheat Improvement Center. Shah is fluent in Spanish, and at the time thought she was “done with school and would never come back,” having achieved her goal of working in international development. “I loved the job.”

But there was a catch.

“I knew I wanted to keep doing this type of work, but I also started to realize that the people calling the shots, raising the money, directing things, all had Ph.D.s,” Shah said. So she spent a year doing the math — literally, taking the calculus, statistics and real analysis coursework she needed for a doctoral program at UC Berkeley. “There was almost no literature in economics on HIV/AIDS,” Shah said of her ongoing interest in the intersection of HIV and economics. “I learned that most interventions in development related to HIV/AIDS often targeted sex workers, as they tend to have higher rates of sexually transmitted infections and HIV/AIDS than the general adult population in most developing countries.”

Shah’s eyes were opened when she learned how many women in developing countries are employed in the sex sector. She saw the implications for public health and noted a lack of serious empirical study, which “began an important area of research for me.”

She recently co-edited the “Oxford Handbook of the Economics of Prostitution,” in which more than 40 researchers from around the world compiled and interpreted valuable economic data and research that may help lawmakers and government officials set policy guidelines concerning prostitution worldwide.

“A number of factors, including the proliferation of sexually transmitted infections and HIV/AIDS, especially in developing nations, have created the need to look at prostitution through an economic lens,” she said.

And yes, like the teenager who traveled to Ecuador decades ago, Shah is still interested in sanitation, a core issue at the intersection of human health and economics
in developing countries.

Research and Public Policy

Shah refers to herself as an applied microeconomist interested in development economics, health and education. “Most of my research fits into those bins,” Shah said.

She has written papers on the long-term impacts of positive rainfall shocks as well as drought in India on human capital outcomes of young children and adolescents, and risk-taking behaviors in the wake of natural disasters, as well as the effects of cash transfer programs on criminal behavior in Indonesia. Behind each are human stories of how policies affect large populations.

Shah’s research on HIV and the sex industry has wide-ranging implications for the health and well-being of not only adults but also vulnerable young people caught up in prostitution around the world.

“These days most of my work is either related to children or adolescents,” Shah said. “I often joke that my switch to research about children perfectly coincides with my becoming a mother. I remember researching questions about child development when I was pregnant and being surprised about how little we know about many important issues related to child cognitive/health and development.”

Shah is the principal investigator of a randomized controlled trial in Tanzania attempting to understand how to improve sexual and reproductive health outcomes for teenage girls. “I am really excited about this work,” said Shah, who was also recently awarded a National Science Foundation grant to better understand education outcomes for children in rural India.

After teaching stints at the University of Melbourne, Princeton University and UC Irvine, she joined the Luskin faculty in 2013. Today, she teaches microeconomics, development economics and serves as a faculty adviser for the Applied Policy Project (APP), a challenging yearlong requirement for master of public policy students at Luskin.

“Ironically, I learned in grad school that I actually enjoy teaching, and I was sort of good at it,” she said of her classroom duties. Her research topics are heavy, which could lead to frustration about things that should be happening but don’t. “But spend some time with our students and it will put you in a good mood,” she said.

“Our students make me optimistic, and that optimism can be infectious. I love how our students care so deeply about issues that matter to them.”

 

A Final Test for Policy Analysis Projects UCLA Luskin public policy master’s degree culminates in a public forum in which students present Applied Policy Projects on issues of regional, global importance

By Stan Paul

By necessity, the Master of Public Policy (MPP) students at the UCLA Luskin School of Public Affairs quickly begin learning skills and tools to complete the program and prepare for problem-solving careers in the public, private and nonprofit sectors.

The students, working in groups, must clear one final hurdle to graduate: the Applied Policy Project presentation.  Each group has 20 minutes to impress faculty and peers by showcasing what they have learned during two rigorous years of study.

Each year, a diverse group of clients “hire” the students, usually in teams of two or more, to tackle real-world problems and offer actionable recommendations and feasible solutions.

“I think one of the exciting aspects of the APP is the variety of topics covered,” said Manisha Shah, associate professor of public policy and faculty coordinator of the program. “Because our students have a diverse set of interests and because we encourage them to identify their own clients, the result is an interesting variety of APP projects.”

Among this year’s clients were the Southern California Association of Governments, Covered California, Peterson Institute for International Economics and a member of the California State Assembly. Internal clients included a research center within the Luskin School, a professional program elsewhere on campus and the University of California’s Office of the President.

“The first-year curriculum of the MPP program is tool-driven,” Shah said. “What I mean by that is we try to give students a diverse set of tools — both quantitative and qualitative — that will help guide them through the APP process and ultimately go out into the real world and conduct policy analysis on issues close to their hearts.”

Shah said she was fortunate to advise a diverse set of APP groups this year. One group of students found that behavioral tools such as reciprocity and commitment devices should be implemented in schools to increase consumption of fruits and vegetables in an attempt to combat obesity. Another group helped improve the service delivery model of an organization in L.A. that tries to get at-risk youth into better employment opportunities. And another group proposed interventions and policies aimed at reducing displacement and gentrification in South L.A.

In all, 18 presentations were made. Luskin faculty watched and then asked questions that tested the students’ depth and breadth of knowledge and the thoroughness of their projects.

The range of projects is broad, including:

  • Local and regional issues such as investments in electric vehicle charging stations in Los Angeles and a rent stabilization ordinance to prevent displacement of low-income minority communities in South Los Angeles.
  • Statewide issues such as bail reform, insuring Californians, health care, access to water and juvenile justice.
  • National and global issues like mitigating the negative impacts of trade on employment in the U.S. auto industry and improving local-level governance amid decentralization reforms in the Ukraine.

A closer look at some of this year’s APPs follows.

Gender Issues in Engineering

Applying qualitative and quantitative methods to their study for the UC’s Office of the President, Traci Kawaguchi, Yuhan Sun and Eri Suzuki focused on the need for connections in their analysis of system-wide retention by gender in engineering at the undergraduate level. They initially determined that the retention rate of female engineering students was significantly lower than for male engineering classmates across the UC system.

Their faculty adviser, Professor of Public Policy John Villasenor, also holds an appointment in electrical engineering at UCLA. He helped connect them with UCLA engineering students, which led to interviews with aspiring female engineers.

Women and men had similar levels of academic performance in the first year, but the qualitative interview uncovered that “affinity groups play a key role in affirming engineering identity and belonging in the field,” according to the UCLA Luskin students’ written summary.

“I think the big thing that came up was just the idea of fitting in,” Kawaguchi said. “When you go into a classroom that is 80 percent male … it may make you feel that you don’t necessarily belong.”

Team members analyzed policy options based on anticipated effectiveness, cost feasibility and institutional feasibility, and they recommended support for female students based on a sense of community and belonging. Adoption of residential living communities and formal peer mentoring programs for female undergraduate students in engineering were also recommended.

 A Program to Help Plug-In Commuters

Another APP team focused on plug-in vehicles with a limited range on all-electric power that switch to gasoline-based power after batteries are exhausted. Specifically, the group studied how workplace charging stations in Los Angeles could increase the number of miles that vehicles travel without burning gasoline.

MPP students James Di Filippo, Mahito Moriyama, Toru Terai, Kelly Trumbull and Jiahui Zhang completed their project, “Prioritizing Electric Vehicle Charging Station Investments in Los Angeles County,” for the Southern California Association of Governments (SCAG). Their model combined commuting data from SCAG’s transportation demand study with plug-in electric vehicle registration data, information on vehicle all-electric range, and point data on existing charging infrastructure locations.

The students found that nearly 6,000 plug-in hybrid commuters could benefit from workplace charging but currently do not have access. Full support of those commuters’ vehicles would yield about 76,000 additional miles driven on electric power each day.

The potential increase is concentrated in just a few zones. Di Filippo said that the group used a tool from the Environmental Protection Agency to identify zones that fall within disadvantaged communities that might require additional support, which were more than a third of all zones identified as having potential for investment across Los Angeles County. SCAG should direct additional funding toward those disadvantaged communities to ensure that the benefits are distributed equitably, the students said.

Di Filippo said that the APP process was challenging but rewarding. “I credit my teammates for pulling together quickly, conceptualizing and delivering a strong report that offers actionable information for SCAG’s electric vehicle charging infrastructure siting decisions in only eight weeks,” he said. “My team was fortunate to have the support of faculty and peers who were invaluable in shaping our thinking on key aspects of the report.”

Healthy Food for Children

Sarah White and teammates Sydney Ganon, Hiroto Iwaoka and Jonathan McIlroy examined behavioral economics for tools in nutrition education curricula. Their goal was to promote long-term healthy food choices and habits in third and fourth grade students in light of a growing recognition of negative health outcomes of childhood obesity.

“While the field of behavioral economics is still fairly new, we read a lot of the existing literature and had reason to believe that really low-cost interventions could potentially have large impacts on getting people to make better choices for themselves,” White said.

One challenge that behavioral economics has “rarely, if at all, studied within the realm of children’s nutrition.” That made evaluating different policy options more difficult. “We had to evaluate each policy option on our own,” White said.

The group’s recommendations bundled three potential behavioral tools that are cost-effective. Giving attractive names such as “power peas” to fruits and vegetables in the cafeteria would frame foods in a way that is appealing to children. Giving students something as simple as a sticker and thanking them for choosing the healthy option would promote reciprocity. Having students set goals for eating better would make them more likely to stay committed.

Ayappa Biddanda

Rocking his Comeback

For one student, Ayappa Biddanda, the final APP presentation was a long time in the making. In the early 2000s he left UCLA Luskin to pursue an opportunity that turned into a career in the music industry. He came back this year to do his final presentation — and thus finish his master’s degree.

Biddanda’s project evaluated the impact of an educational enrichment program called Rock the Classroom that paired local musicians with students in the Los Angeles Unified School District. Biddanda’s solo presentation on the final night of the APP program literally rocked the classroom with musical sound bites and his enthusiastic, informative and professionally presented argument that, in education, “art matters.”

A Fond Farewell

Wrapping up two decades of APP presentations, Mark Peterson, chair of the department, thanked the students for their efforts. “I really want you all to applaud yourselves,” he said. “The hard work that went into all of the presentations was obvious to us all, and we really just admire the time you put into all of this and the work that you did to put these presentations on a scale of professionalism that we like to see.”

The 2017 APPs ended on a bittersweet note, with Peterson acknowledging the retirement of a key player. Maciek Kolodziejczak is a longtime UCLA staff member who joined the public policy program when it was founded more than 20 years ago and has long coordinated the APP presentations.

“Sadly, this is the last time that this part of the APP program will be orchestrated, moderated and run by Maciek,” Peterson said.


From the UCLA Luskin Flickr feed:

2017 Applied Policy Project presentations

Paper on Nature of Cities Earns Accolades UCLA Luskin scholars Michael Storper and Allen Scott are recognized for their agenda-setting critical assessment of current urban theory

By Stan Paul

The majority of the world’s people live in cities, and numerous theoretical approaches from diverse fields have suggested frameworks for thinking about urbanization and the complexity of the urban form.

Now, two UCLA Luskin School of Public Affairs scholars are being recognized for seeking to frame those approaches as a common language, or foundational concept, for the study of urbanization, an effort that has further enlivened and deepened an ongoing debate. It has also sparked a bit of controversy.

Michael Storper of the Department of Urban Planning and his longtime colleague and collaborator Allen J. Scott have been selected by the journal Urban Studies as recipients of the Best Article award for 2016’s “Current Debates in Urban Theory: A Critical Assessment.”

The journal’s website explains that the Urban Studies Best Article designation is awarded by the editors and authors to the most innovative and agenda-setting article published in a given year. Mark Stephens is editor of the international journal, which was established in 1964 and is published by SAGE. The winning article was selected in a process that narrowed a field of 20 initial candidates to five before the final selection was made.

Storper is a distinguished professor of regional and international development at UCLA Luskin, and Scott is a distinguished professor emeritus of public policy and geography. Their article proposed an analytical framework for urban studies while strongly critiquing three existing and influential perspectives: postcolonial urban theory, assemblage theory and planetary urbanism.

Storper, who also holds academic appointments at the Institute of Political Studies (Sciences Po) in Paris and the London School of Economics, noted that this was the second paper on this subject in collaboration with Scott. In the earlier paper, the two UCLA professors had argued for a different approach, generating vigorous debate that led proponents of competing theories to offer their own critiques in response.

The newest paper addresses those critiques and offers further explanation by Storper and Scott. In the journal article, they wrote: “We claim that there are fundamental common genetic factors underlying urban patterns, and a robust set of conceptual categories within which urbanisation processes and urban experiences can be analysed, wherever they may occur in the world.”

Storper and Scott considered high levels of diversity and disagreement over the last century, writing “we asked if a coherent, stable theory of the city could be constructed.” Such a theory would need to accomplish all of the following: “account for the genesis of cities in general, capture the essence of cities as concrete social phenomena, and make it possible to shed light on the observable empirical cities over time and space.”

The authors identify and put forth five basic variables, or forces, that shape what they refer to as the “urban land nexus” at different times and places. These include:

  • the overall level and mode of economic development;
  • prevailing resource allocation rules;
  • forms of social stratification;
  • cultural norms and traditions;
  • and relations of political authority and power.

In refuting other theoretical formulations of what defines urban, Storper and Scott further conclude: “Not only does our analysis provide us with the tools for distinguishing between the general and the particular in urban outcomes, but also for separating out that which is distinctively and inherently urban from the rest of social reality.

“We must distinguish between phenomena that occur in cities but are not generated by urbanization processes as such, and phenomena that are legitimately elements of cities in the sense that they play an active role in defining the shape and logic of urban outcomes.”

The full article and lists of other finalists and previous winners are available online, as is a video explanation by Storper.

Social Workers Come Together for ‘This Incredible Conference’ At student-organized event, professionals and scholars gather at UCLA Luskin to hear experts discuss issues of vital importance to the Latina/o community

By Les Dunseith

It’s 8:30 a.m. on a sunny Saturday, and the second floor hallway of the Public Affairs Building at UCLA is abuzz with activity as professional social workers join UCLA Luskin students and faculty for a daylong series of lectures and workshops designed to help them do the best work possible for Latina/o populations in Southern California.

“People come from all over for this conference,” said Gerry Laviña, director of field education for the Department of Social Welfare, as attendees began to file into a large classroom to begin the 15th annual Social Services in the Latina/o Community Conference on May 13, 2017. “They look forward to it.”

One group, from Ventura County, even arrived two hours early. By the time Dean Gary Segura delivered his keynote address shortly after 9 a.m., a total of about 100 people were on hand. Other participants would continue to arrive as workshops proceeded throughout the day. The student-organized conference has become so successful, in fact, that advance registration had to be capped at 220 this year.

A 1988 graduate of UCLA Luskin’s MSW program, Laviña noted during his opening remarks that such popularity wasn’t always the case. When it began a decade-and-a-half ago, the conference “was struggling, struggling, struggling,” he said. “But now it’s this incredible conference — all for free — because of the hard work that the students have done.”

Christina Hernandez, a second-year Master of Social Welfare student and one of the three co-chairs of the Latina/o Caucus, said the conference is the culmination of a yearlong process that starts with the writing of grant applications soon after the academic year begins. This year, a total of about $7,000 in grant funding was obtained.

The six-member board of the Latino Caucus includes two first-year MSW students whose participation is designed to help them be better prepared to lead the caucus and its annual conference next year. It’s a tradition that Hernandez said benefited her personally, as it did her co-chairs and fellow MSW students, Sandra Cervantes and Corina López.

“In my first year, I saw the time commitment that was required for the conference,” Hernandez explained. “So going into this year, I knew that I had to give it my all in order to make it a successful conference.”

As the date drew nearer, the students worked with Laviña and their other faculty advisers, Sergio Serna and Hector Palencia MSW ’08, to issue a call for proposals from potential speakers on various topics. The number of applicants exceeded the time and space available, which led to a culling process.

“We select proposals that seem most appropriate,” said Hernandez, who also noted that the organizers seek a balanced program of workshops, in part because many professionals earn continuing education credit for licensing purposes by attending. For instance, “two really good candidates” proposed workshops on law-related topics, but only one of them made this year’s agenda.

That session, “Trauma-Informed Immigration Law for Social Workers,” was one of nine workshops that took place during the day, which included a lunch break that featured a performance by Aztec dancers. A sample of other workshop topics included “Critical Race Theory in Social Work Practice: Going Beyond Competency” and “Queer Latinx: Policy & Critical Discourse.”

Although workshop topics were highly varied, one theme that got a lot of attention was the symbolic and practical impact of Trump administration policies on the vital work being done by the social workers who interact on a daily basis with members of the Latino community.

The rhetoric from Washington has left many social welfare students and professionals — not to mention their clients in disadvantaged and immigrant communities — feeling fearful and angry.

In his keynote talk, Segura detailed examples of anti-immigrant rhetoric throughout history, noting that Latinos have often felt like unwelcome outsiders because of America’s prevailing Euro-centric culture and view of history.

“It is a reflection of our lives as being principally valued for our labor rather than our personhood,” Segura said, “persistently marginalized for our phenotype rather than any actual transgressions, and conceived of in the eyes of those who hold power as a community that is less than equal.

“At the Luskin School of Public Affairs, we like to say we create change agents,” Segura said during his talk. “I sure hope so. Because we so badly need change. Fight like our lives depend on it. They just might.”

Serna and Laviña offered similar thoughts during their own remarks.

“This act of being of service is an act of resistance to injustice and oppression,” Serna told the crowd. “We are sending a message of hope and solidarity to the communities we serve, while raising a fist to those that desire to restrict us and remove funding to deter us from our purpose.”

Laviña, his voice sometimes breaking with emotion, talked about the importance of taking the high road, especially amid political and policy uncertainty.

“In this time of anger and standing up, I think we need to rely not just on ‘othering’ people. Because we have all been the ‘other,’” he said. “So I hope that today you leave with tools and knowledge and, most importantly, an increased sense of community. Because we cannot do this work alone.”

Making a Local Impact Luskin Senior Fellow Mitchell Katz talks about boosting health care at the local level — even when the feds won’t pitch in

By Zev Hurwitz

Mitchell Katz, a UCLA Luskin Senior Fellow, knows of several projects that would demonstrate the potential for effectiveness of local government.

“When people talk about public policy, typically people think about Washington [D.C.] or they think about state government,” said Katz, MD, director of the Los Angeles County Health Agency during a talk May 9, 2017, at the UCLA Faculty Center. “I have to say I’ve never been interested in working in either because I like seeing problems directly and figuring out how to solve them. What I want you to think about is, ‘What are the opportunities to do interesting things at a local level that perhaps you could never do at a federal level?’”

More than 50 attendees also heard from Director of the Los Angeles Initiative and former L.A. County Supervisor Zev Yaroslavsky, who moderated a Q&A that followed Katz’s discussion of experiences that employ creativity to improve public health.

For example, when HIV/AIDS was spreading in San Francisco more than two decades ago, Katz helped create a needle exchange program that drastically lowered the number of new infections. In order to bypass state laws prohibiting taxpayer-funded needle exchanges, Katz and his colleagues needed to be creative in finding a legal loophole.

“We came up with the idea that we would declare an emergency,” he said. “The idea was that this was the leading cause of death among men … and here was something that was a transmissible agent. It seemed to me that this cause of death was a public health emergency.”

Katz likened the response to AIDS during the epidemic to an earthquake, during which normal county bureaucratic channels would be bypassed in providing emergency services.

“You were on the County Board of Supervisors for many years,” he said to Yaroslavsky. “If there’s a huge earthquake, you don’t want Zev and his colleagues to follow the process of getting request for proposals and figuring out who’s going to clean up your street — you want everybody to waive all the rules.”

Because rules for emergencies are time-sensitive, keeping the needle exchange program alive meant renewing the emergency order every two weeks for the next nine years.

“This gives you some sense about how absurd it was,” he said of navigating the bureaucracy.

Needle exchanges finally became legal in 2011, yet today no federal funding can be used to pay for such programs.

Katz also spoke about his work banning tobacco sales in pharmacies, improving public housing for homeless and chronically ill patients, advancing teleretinal screenings and remote doctor’s appointments to reduce waiting time for specialist appointments.

During the Q&A, he and Yaroslavsky engaged in a conversation about the future of health in Los Angeles and the country.

Yaroslavsky had high praise for Katz. “One of the best decisions the Board [of Supervisors] made in my day was getting Mitch Katz to come to Los Angeles even though he was from San Francisco,” he said.

Associate Dean and Urban Planning Professor Anastasia Loukaitou-Sideris opened the event, which was co-sponsored by the Fielding School of Public Health, and she introduced Katz. She also discussed the Luskin Senior Fellows program, which pairs leaders in the public, private and nonprofit sectors with graduate students at the UCLA Luskin School of Public Affairs for mentorship and engagement on field-specific issues.

VC Powe, director of career services and leadership development at Luskin, oversees the program, which is now in its 20th year. She noted that the fellowship program’s speaker series allows the Luskin community to hear directly from community leaders.

“The Senior Fellows Speaker Series was created to provide a public square in which these prominent community and policy leaders can discuss their roles in public service and provide insights to their efforts to solve pressing public and social policy challenges,” she said.

 

Mark Peterson on Passage of Health Care Reform Professor Mark Peterson recently went on Minnesota Public Radio to provide analysis on the historic passage of this week's health care reform bill

Professor Mark Peterson of the Department of Public Policy provided analysis of the historic passage of this week’s health care reform bill; he was featured on “Midmorning” with Kerri Miller on Minnesota Public Radio (along with David Drucker, staff writer for Roll Call; and Terry O’Neill, president of the National Organization for Women).

The following is an excerpt from the hour-long program:

KERRY MILLER (Midmorning, Minnesota Public Radio): “Mark, you hear competing arguments about this—the President will say economic recovery is linked to health care reform because it will allow businesses to do better planning, people aren’t going to be so worried about higher premiums, but then you hear Republicans say, ‘Look, this is going to be a jobs killer’ because you’ve got companies that are now going to have to offer health insurance because they’re going to pay a penalty if they don’t.”

MARK PETERSON: “Yes, and there are points to be scored on both sides of that, I think that it’s very important to make that linkage with the economy.  It is important to note that if the Congress had not passed any legislation at all and we continued under the current set of arrangements, the status quo was not going to be a stable experience.  Premiums were going to shoot up quite dramatically, millions more would be losing insurance, and a lot of that is also a drag on the economy as well.  And so you have to compare what is going to happen in the future under the bill, with what would have happened without the bill.

It’s also the case that there are many ways in which businesses right now, that really cannot afford to provide health insurance for their employees—small businesses—by 2014 as the exchanges are being set up, those businesses ultimately will have access to the exchange and be able to provide insurance to their employees at a much, much better rate than they can possibly do now in the small group market.”

Listen to the complete interview here.