Americans love a good story. From fairy tales to hair-raisingfilms that leave us cowering in our seats, we enjoy when our heartspound in anticipation. Sometimes, though, we keep ourselves up atnight by creating myths about things that shouldn't be worrisome atall. One example: The Affordable Care Act's 40 percent excise taxon high-cost health care plans, commonly referred to as theCadillac Tax.

Although we are several years away from its implementation,brokers are wondering what these health care changes will mean fortheir business. The Cadillac Tax is confusing and prompts questionsfrom employers and benefits professionals — especially about whento make changes to benefits plans and whether voluntary insuranceis affected.

Let's take some time to distinguish between the myths and factsso when you communicate with your clients about their plans thisyear — and in years to come — you have the facts to ensure you'reproviding clients with accurate information to make effectivebusiness decisions regarding benefit offerings.