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Freezing rain causes ice to build up on tree limbs near the Arkansas state Capitol building in Little Rock, Ark., Tuesday, Feb. 4, 2014. (AP Photo/Danny Johnston)

Ever since the passage of the Patient Protection and Affordable Care Act, benefits brokers and agents have had to make major adjustments to their business to account for lost health insurance commissions and renewals. Some called PPACA the death knell of the profession. Others rolled up their sleeves and vowed to soldier on.

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