Here's a newsflash: The Patient Protection and Affordable Care Act is changing the way health insurance is bought, sold and delivered in this country. This year, major provisions take effect, and by 2014, employers must be prepared to fully participate in the new law.

Although benefits brokers already have been working with clients to help answer questions and advise them on the "pay or play" provision, they'll be called upon to do even more in the coming weeks.  

Brokers, for example, should be prepared to help employers think through their benefits strategies more broadly and provide the tools and advice they'll need to reassess their total benefits packages. With annual enrollments — usually held in the fall — getting closer, here are some issues that brokers might want to stay abreast of as the law continues to unfold.

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