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In January and February, Oliver Wyman and Benefits Selling set out to understand how brokers thought about reform and how they planned to respond to it. More than 1,250 brokers responded to this year’s survey, spanning the country and representing all employer size segments as well as the individual market.

In addition, we interviewed a cross-section of brokers to get a sense of the thinking that lay behind the survey answers. What we found is that while brokers saw reform as a huge disrupter, they haven’t quite made up their minds about what will happen next or what to do about it. Nonetheless, there are increasing signs of innovation in the marketplace, as some brokers rapidly develop their business models to drive real results right now.

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