The uncertainty surrounding efforts to kill or change the Affordable Care Act should make this a great time to sell supplemental health insurance products in the voluntary benefits market.

Accident insurance, hospital indemnity insurance, cancer insurance, critical illness insurance and other supplemental products are like umbrellas that workers can use to make up for the holes in the employer's major medical coverage.

The holes were growing rapidly before the ACA came along, and they kept growing after the ACA arrived. The average annual deductible for a worker with single coverage increased to about $1,200 in 2016, according the Menlo Park, California-based Henry J. Kaiser Family Foundation. That's up from an average of about $500 in 2009, before the ACA took effect, and up from about $300 in 2006.

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Allison Bell

Allison Bell, a senior reporter at ThinkAdvisor and BenefitsPRO, previously was an associate editor at National Underwriter Life & Health. She has a bachelor's degree in economics from Washington University in St. Louis and a master's degree in journalism from the Medill School of Journalism at Northwestern University. She can be reached through X at @Think_Allison.