Frank Wharam, MD, MPH is a general internist, Director of the Division of Health Policy and Insurance Research, and the Oliver Wendell Holmes, Sr. Associate Professor in the Department of Population Medicine at Harvard Medical School and Harvard Pilgrim Health Care Institute. Dr. Wharam uses rigorous study designs to determine how health policies and system interventions affect healthcare quality and outcomes, especially among vulnerable populations. His studies have focused on low-income populations, users of opioids, and individuals with diabetes, cardiovascular disease, cancer, respiratory illnesses, and bipolar disorder. He has expertise in quasi-experimental research design, analyzing natural experiments, and using large administrative databases to conduct observational studies. As Principal Investigator of multiple R01-level projects, his work often examines patient financial incentives and health outcomes. Dr. Wharam has leading expertise on the effects of commercial health insurance designs such as high-deductible health plans (HDHP), consumer-directed health plans (CDHP), and value-based insurance designs (VBID). He cares for patients in the Harvard Vanguard-Atrius system.