As health insurance producers look back on one of their busiest quarters in recent memory, it's easy to forget that just a year ago many were predicting that the Patient Protection and Affordable Care Act would spell the end for brokers and agents. Now producers are back. In fact, they never left. Oliver Wyman and Benefits Selling's annual health care survey asked more than 400 brokers and agents for their take on the market, the business environment and their plans for the future. We found producers adapting quickly to the post-reform world, though many challenges remain.

The picture for producers looking forward is one of opportunity in the midst of disruption, where scale and innovation pay dividends.

Surviving the public exchanges

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