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During a recent lunch with an industry professional, we both spoke wistfully about the good ol’ days when agents and brokers actually sold products and services based on need. I’m sure if an industry newcomer heard us, they’d roll their eyes at us old farts.

But think about it. When the ACA was being hotly debated, there was a very strong sense that ye olde agent and broker weren’t important to the process. Just go to healthcare.gov and sign up. Easy!

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