Santa and his elves aren't the only ones scurrying around as the year quickly winds down. Insurance brokers also are keeping busy making sure their clients are ready for the Jan. 1 implementation of the employer mandate under the Patient Protection and Affordable Care Act.
"The ACA is one law with a million permutations," says Fred Garfield, senior vice president of employee benefits for The Horton Group in Orland Park, Illinois. "It's like a chess match, with every move leading to a counter-move."
Much has been written and discussed about the impact of the mandate on businesses, employees and their families. However, it also affects the role of brokers and how they interact with clients.
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