"We always overestimate the change that will occur in the next two years and underestimate the change that will occur in the next 10. Don't let yourself be lulled into inaction." Bill Gates, from his book, "The Road Ahead."

This quote got me thinking about changes in the voluntary marketplace we can expect in the next 10 years. But first, let's reflect on the changes in the voluntary market over the past 10 years.

Ten years ago, enrollment was commonly conducted via some form of in-person meeting between employees and enrollers. Paper forms were common, and computer-based enrollment was usually done on a laptop provided by an insurer or enrollment company. Today, we've seen growth in online enrollment conducted on a self-service basis by employees on their own computer, or one provided by their employer. These online enrollments are supported by in-person meetings, call centers, webinars, online decision-assist tools, and other communications support packages.

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