Many are eager for this year's election cycle to come to aclose, but many unknowns will remain, even once the final ballot iscast and counted. We set out to solve one mystery -- the state ofthe benefits industry -- by asking experts what they think is instore under Donald Trump or Hillary Clinton. Share your thoughts inthe comment section below.

Wrong question?

Predicting the impact on the benefits industry based solely onthe results of the presidential election is a little like trying toanswer a math equation without knowing all of the numbers or theoperation to be performed; it's a wild-ass guess.

Sure, the eventual presidential winner will attempt to set thetone, but the real impact to the industry will be determined by themakeup and attitude of both the House and Senate; it will also beinfluenced by the filling of the vacant Supreme Courtseat. Both candidates are so divisive that, evenif you knew exactly what they wanted to happen, the surest betmight be to predict the opposite, knowing that even their own partymay prefer the distance.

Kevin Trokey, founding partner & coach,Q4intelligence

Wild card or more of the same?

If HRC gets elected, as I feel is the morelikely scenario, we will continue down the path we are on, whichwill likely support the ACA and continue expanding it, perhaps witha public option and maybe even single payer, although I believethat to be a bigger hurdle than some people feel, and I do notbelieve that was the intent of it all along.

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Paul Wilson

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