When former President Barack Obama approved the Affordable Care Act in 2010, the insurance industry was shaken up. Brokers and consultants across the nation who had been in denial about the law's ability to pass were faced with the harsh reality that it was here to stay.

Not long after, private exchanges started to create a stir and the opportunity to deliver insurance via new mechanisms was the talk of all the major industry stakeholders. Accenture and Oliver Wyman predicted 40 million users would receive health insurance though private exchanges by 2018.

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