To date, adoption of private benefit exchanges by employers has been modest, but Holley Maher, partner at St. Louis-area brokerage MRCT, sees them as a highly relevant solution. And, despite issues has caused for brokers and consumers alike, the site is changing the health care landscape, says Maher, whose company operates its Smart Benefits Marketplace using bswift technology.

What is the structure of your exchange? What makes it different?

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