Dr. Al Dobson was invited to be a discussant, along with Philip Cooper (AHRQ) and John Graves (Harvard University), at the Health Economics Research Organization panel held during the American Economics Association annual meeting in Chicago on January 7^th.  Dr. Dobson provided in-depth discussion on a paper presented by three University of Minnesota researchers, Pinar Karaca Mandic, Roger Feldman, and Peter Graven, “The Role of Agents and Brokers in the Market for Health Insurance.”