It could add up to a whole lot of nothing when it comes to actual enrollment on the federal and state-run exchanges across the country today, Oct. 1. That’s because regardless of brokers’ strategies toward working on the exchanges, obstacles from the federal and state governments and insurance carriers stand in the way of immediate work getting done.

For Will Heavin, a group insurance broker at Heavin & Associates in Corpus Christi, Texas, his approach to the exchanges is what he calls a proactive one. “I’m ready, but we don’t have anything to sell,” Heavin said on Monday while still awaiting rates from carriers on the exchange in Texas and a required Blue Cross Blue Shield testing in order to sell the products in the area.

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