Bob Dylan hit the nail on the head when he sang, "The times, they are a-changin'." Even though that was written decades ago, it still applies, especially to today's workforce. And brokers need to adapt if they want to survive.  

The American workforce continues to expand beyond full-time W2 employees to an increasing number of contracted and part-time employees. According to the Bureau of Labor Statistics, there are now 27.7 million people working part-time (less than 35 hours a week) in the U.S.

Critics of the Patient Protection and Affordable Care Act say the growth of part-timers is the direct result of health care system pressures pushing employers to reduce hours. Others point to innovative business models like Uber, which are bringing more contracted employees into the workforce. No matter what the cause, brokers need to be in tune with this growing part-timer trend.