Most voluntary insurance plans cover a small percentage of employees who experience catastrophic events, but the plans do not address most expenses incurred when an employee accesses care before they have met their deductible.

Amanda Osburn is a broker associate at SullivanCurtisMonroe, a privately-owned full-service insurance brokerage offering customized solutions for commercial risk, employee benefits, and personal lines for over 80 years.

We asked some of our readers and here is what they had to say.

I talk with some of the top brokers in our industry every day, and as Ive said before, it's one of my favorite parts of the job.

Lockton is the largest privately held insurance brokerage firm in the world, with 6,000+ associates.

Matthew Cate is a partner at Cobbs Allen, an Alabama-based risk management firm ranked in the top 100 of privately held brokerage firms and the top 100 of all U.S. brokerage firms.

I often wonder, How can a broker or HR manager make heads or tails of all the options out there?

Industry experts tell what might be in store for them and their businesses as the fate of the DOL fiduciary rule remains up in the air.