An annual broker survey by Aflac found brokers are generally much more bullish about PPACA as it takes shape in the marketplace.

Forty percent of households that received subsidies for their coverage in 2015 havent properly filed 2014 tax returns yet and, in theory, wont be able to apply for a subsidy in 2016 as a result.

They may be seeking more help for their investments than for their health, but that doesnt mean that people are preparing adequately for retirement.

Theres more data available that suggests that, unless the Cadillac tax is repealed, flexible spending accounts may be targeted for extinction.