Believe me, we're just getting started.

The Patient Protection and Affordable Care Act continues to shape the lives of employees, employers and benefits brokers — and will keep at it for years to come. And the debate about whether that's a good or bad thing will probably rage on long after (although it looks like public opinion might finally be shifting).

But one thing we won't have to worry about is the long-term care provision, which won't be needing any long-term care itself since its been neglected to the point of irrelevance.

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