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In 2015, insurance carriers are seeing unprecedented opportunity for new growth, thanks in large part to the Patient Protection and Affordable Care Act (“ACA”) and other market forces; this is especially true for those offering Voluntary Benefits (VB). One source cites 60 percent growth in VB sales from 2013 to 2014 attributable to the ACA (see “It’s not business as usual: The new face of insurance brokers” in The Institute for HealthCare Consumerism, January 2015).


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