It's another complicated year for benefit brokers. Not only are you likely to deliver unwelcome premium news to your clients - again - you may be scrambling to decipher what's coming in 2014 with the Affordable Care Act.

Doctors, too, are feeling the weight of a health care system that is out of control. Family care doctors must see 25-30 patients a day in order to generate the revenue they require, according to the Direct Primary Care Coalition. And that's not making them rich: a recent survey from Physicians Practice reports that nearly 40% of primary care physicians and pediatricians earn less than $150,000 annually, and many report a reduction in their personal income in recent years. Medical malpractice insurance may run between $15,000 and $30,000 per year, and overhead costs include the extra staff needed to process a seemingly endless stream of insurance-required paperwork.

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