LAS VEGAS — I was lucky enough to have dinner with some of my favorite people in the business last night, and in one of my favorite destinations. Not a bad way to wrap up my travel season. Although the tone certainly shifted after the entrees turned into digestifs.

Brokers remain startlingly split on life after next year.

One longtime colleague — who's admittedly never been known for his optimism  — was certain brokers would be washed out of the health business by the end of next year. He saw a world where health care's commoditized, where the states don't just host the marketplace, but actually take over every aspect of it. He didn't sound all that bitter about it, but his gaze has certainly already shifted to life after. He just couldn't decide between volunteer work or working at a restaurant.

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