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

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

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

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