The impact of health insurance exchanges on brokers: Early lessons from the states

According to the Congressional Budget Office, health care reform will expand health insurance coverage to 32 million Americans. While the tax credits and premium subsidies offered as part of the law will increase the health insurance market overall, only a small portion of this increase, if any, is expected to go to benefit brokers. With health insurance exchanges, or HIEs, coming online in 2014, brokers selling health insurance are wondering how their businesses will be affected. While it's unlikely that brokers will be eliminated from the market, the broker's role in selling to individuals and small groups may decrease significantly.

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