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Last April at Benefits Selling Expo in San Diego, there was a lot of strategic talk about the looming employer mandate. Brokers were speculating that as much as a third of their employer groups would cease offering benefits altogether. With a projection of millions of uninsured individuals moving into 2014 with brand new coverage bought through the exchanges (and without agent assistance), I’ve heard a lot of “woe is me” talk. It seemed we were entering “The Bronze Age” of benefits, and brokers would be going the way of the woolly mammoth.

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