Jon DuczakThe PatientProtection and Affordable Care Act has made life interesting—tosay the least—for all of us over the last few years, but no one'shad a wilder ride than those in the limited medical benefitbusiness.

First the law threatened the very existence of these and similarindemnity plans with onerous deductible limits and medical-lossratio requirements.

Of course, politicians and regulators being who they are changedall of that with hundreds of waivers and a redefined MLRrequirement, buying limited plans a stay of execution. For now. Allof that will come to end with the close of 2013.

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