No doubt, 2014 is a pivotal year in the health care industry. With the individual mandate, market reforms and new insurance taxes — and quite a lot of other provisions — now in effect, it's the most important year yet for the Patient Protection and Affordable Care Act.

Brokers, carriers and other benefits experts are looking into new ways of business, while also holding on to tried and true methods. Think voluntary benefits, consumer-driven health plans and a new focus on consulting.

We asked some experts about their thoughts on the new year and what they're expecting for the industry this year.

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