The medical loss ratio provision of the Patient Protection and Affordable Care Act is interfering with insurance brokers ability to make a living and harming consumers who rely on brokers for advice and customer service, according to a new survey by the National Association of Insurance and Financial Advisors.

In fact, 80 percent of respondents say they have experienced lowered commissions since the MLR went into effect. That includes another 52 percent of respondents who have seen compensation drop by 25 percent or more. An additional 12 percent said insurers have told them commissions will be going down in the near future. At the same time, 94 percent of the respondents said their clients’ premiums either have increased or are set to increase this year.

Complete your profile to continue reading and get FREE access to, part of your ALM digital membership.

Your access to unlimited content isn’t changing.
Once you are an ALM digital member, you’ll receive:

  • Critical information including cutting edge post-reform success strategies, access to educational webcasts and videos, resources from industry leaders, and informative Newsletters.
  • Exclusive discounts on ALM, BenefitsPRO magazine and events.
  • Access to other award-winning ALM websites including and

Already have an account?


© 2023 ALM Global, LLC, All Rights Reserved. Request academic re-use from All other uses, submit a request to [email protected]. For more information visit Asset & Logo Licensing.

Dig Deeper


Join BenefitsPRO

Don’t miss crucial news and insights you need to navigate the shifting employee benefits industry. Join now!

  • Unlimited access to - your roadmap to thriving in a disrupted environment
  • Access to other award-winning ALM websites including and
  • Exclusive discounts on and ALM events.

Already have an account? Sign In Now
Join BenefitsPRO

Copyright © 2023 ALM Global, LLC. All Rights Reserved.