First, many advisers were waiting for the Affordable Care Act to be repealed, either by actions of the Supreme Court or, indirectly, by the American electorate. Neither came to fruition. Now, the waiting game continues, this time around just how much it will impact health care costs.

In speaking with many of you about your thoughts on President Barack Obama's landmark legislation, I'm hearing nearly unanimous consensus that the ACA is leading us down the road to astronomical rate increases and a spike in the nation's health care spend. You've got the words, "I told you so!" perched at the tip of your tongue, just waiting to be spoken in 2014.

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