Winning at employee benefits is like the Indy 500: It's a fast-paced endurance race, littered with hazards.

In this industry, we know all about hazards. Many of you have been in this race since before the start of the ACA. Most agents spent a couple years trying to figure out what plans would look like, a couple implementing the plans, and a couple more dealing with the fallout.

Hazard on the track

Which brings us to today: Not only is there a hazard on the track, but it also appears we might be moving to a different track altogether.

I see the majority of agents in “huddle mode,” just like five or six years ago. They're saying, “We don't know what new reforms will look like, or what the new rules will entail.”

Looking down the track

If you find yourself in this boat, some advice from race car driving instructors also applies to you:

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