HTML is a markup language.
Forms require CGI programmers in most cases.
Interactive Multimedia on the Web requires Shockwave or Java programmers. To write HTML, however, you don't need a programmer. This was mind blowing for us and frankly a bit frustrating. A large corporation we were working with was under the illusion that programmers were necessary to change some incorrect HTML on a page. We literally had to teach them HTML before they realized that the incorrect markup on their page could be easily and simply corrected.