The traditional model of the benefits brokerage is terminal and on life support. As I talk with brokers and consult with agencies across the U.S., there's a growing desperation as they realize that "carrying quotes" isn't enough anymore. Even modifying the plan design and then shopping the medical for the lowest quotes no longer will get - or keep - the account.
In so many states now there just isn't that much shopping required. With fewer carriers in the marketplace and with the new PPACA coverage mandates added to state-level mandates, a broker's carrier and plan options are much more limited.
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