The dust may have settled on the hill for now, but agents and carriers alike can almost certainly expect more change.

Now that the PPACA is on the books, it's up to those who sell health insurance to figure out how they will survive decreasing commissions and a reduced number of products in the market place as a result of the new law.

I know we're a society obsessed with having our cake, eating it and wondering why we didn't get ice cream, too. We're entitled. We've got it so good; we think we deserve it. In fact, we deserve some of that over there, too.

Data released last week by Standard & Poor's indicates the average per capita cost of health care services covered by private insurance and Medicare programs rose 7.32 percent over 12 months ending in August.