From addressing essential health benefits to ensuring there's a solution to modified community rating provisions, the leaders of the top lobbying firms representing employee benefit brokers and advisers in Washington know they have their work cut out for them on Patient Protection and Affordable Care Act implementation in 2013. While hope is not lost for legislative fixes such as the medical loss ratio commission exclusion, the top lobbyists for the Council of Insurance Agents & Brokers, Independent Insurance Agents & Brokers of America, National Association of Health Underwriters and National Association of Insurance and Financial Advisors know it's an uphill climb. EBA sat down with them for a frank discussion as they pulled on their proverbial hiking boots for the long road ahead.


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