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Despite that black cloud looming in the background like some kind of catastrophic debt ceiling, the mood here at the BenefitsConnect Summit is decidedly upbeat. Hell, it's downright bullish — among brokers and carriers alike.

The role of health insurance agents and brokers over the next few years will be even more important as middle-market decision makers navigate choices in a post-health care reform era.

Efforts by the U.S. Department of Health and Human Services (HHS) to make the new health insurance exchange program as flexible as possible for the states could hurt health insurers.

Chicago-based Hub International Limited announced it will purchase Strategic Employee Benefits Services of Louisiana, a Metairie, La.-based benefit consulting and service firm.

The National Conference of Insurance Legislators (NCOIL) is backing an effort by health insurance agents to get Congress to exempt producer compensation from health insurance medical loss ratio (MLR) calculations.

According to a new WorldatWork research report, 89 percent of employers still offer vehicle-related benefits to employees, with the most popular vehicle benefit being fuel or mileage reimbursement at 72 percent, car allowance at 65 percent and providing a company-owned automobile at 53 percent.

Although 76 percent of employers use business-related social media, nearly half of all businesses do not have social media and networking policies, according to a survey by Proskauer's International Labor & Employment Group , which questioned more than 120 multinational employers.

With a default deadline drawing ominously near, House Republican leaders are giving the tea party what amounts to a symbolic floor vote on a "cut, cap and balance" debt-limit plan while behind the scenes work continues on a fallback measure that could become the framework for a compromise.