Forgive Mike Mahorney for being a bit perplexed.

To him, it seems like only yesterday that he, like otherbenefits veterans nationwide, was scrambling to understand thecomplex Patient Protection and Affordable Care Act in the immediatewake of its passage, along with what it would mean for employers,employees and the future of benefits brokers.

“Everything I read from independent economists back then — evenbefore the actual passage of the law — predicted it would result inmassive consolidation at the provider level,” said Mahorney, whomanages the group benefits unit of Nicoud Insurance Services, aSpringfield, Ill.-based commercial agency that brokers fully- andself-insured benefits programs for small and midsized businesses inthe Midwest.

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Nick Thornton

Nick Thornton is a financial writer covering retirement and health care issues for BenefitsPRO and ALM Media. He greatly enjoys learning from the vast minds in the legal, academic, advisory and money management communities when covering the retirement space. He's also written on international marketing trends, financial institution risk management, defense and energy issues, the restaurant industry in New York City, surfing, cigars, rum, travel, and fishing. When not writing, he's pushing into some land or water.