No matter what happens come November, the Affordable Care Act (ACA) will see changes. Will they be sweeping or unnoticeable? It's hard to say, but we asked some industry experts what they would like to see when it comes to ACA reform, and here is what they had to say:

At the top of my wish list would be addressing the cost of health CARE rather than focusing on the cost of health INSURANCE. A major factor in the rising cost of health care in our country is that the consumer is too far removed from the actual cost of their care. As a result, the cost of care continues to rise, as does the cost of insurance.

Our current third-party payer health care system does not induce, nor in many cases afford the opportunity, for a consumer to determine the value of the care they are considering. Only the consumer can determine if the value of the resources used for their medical treatment are greater than the value provided by the medical treatment.

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Paul Wilson

Paul Wilson is the editor-in-chief of BenefitsPRO Magazine and He has covered the insurance industry for more than a decade, including stints at Retirement Advisor Magazine and ProducersWeb.