Experts at Fringe Benefit Group say right now is the "calm before the storm." As early as this fall, major changes to the limited medical industry will occur under the passage of the Patient Protection and Affordable Care Act ("PPACA") and the Health Care and Education Reconciliation Act of 2010.

"Coinsurance-based, expense incurred limited medical plans will be subject to new rules," says John Conkling, vice president of national accounts for Fringe Benefit Group. "Coinsurance-based, expense incurred limited medical plans will be subject to new rules.

"Brokers who currently market limited medical plans – or have customers utilizing limited medical plans – should contact their carrier partner immediately to find out their product strategy as a result of health care reform. They should ask 'How will health care reform affect renewals? Are you still accepting new business?' If the carrier can't give you straight answers, find a new limited medical partner who can."