The Patient Protection and Affordable Care act is creating enormous opportunities for brokers to sell supplemental plans, not only to help cover increasing deductibles in employer-based and exchange-based plans, but also as a cheaper alternative to both.

All plan-related materials and records must be kept for at least six years after the date of filing an ERISA-related return or report.

Increasing deductibles and law mandates are making supplemental plans a good sell to employers and to the self-insured.