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With healthcare reform making major medical coverage more homogenous, voluntary insurance can be a differentiator for small businesses in attracting and retaining employees.

Small employers, which are more likely to fully insure their plans and have less purchasing power, are vulnerable to big rate increases.

Market opportunities for brokers of small group accounts and individual accounts should remain healthy and even improve through 2013. But what are the risks?

Critical first steps in implementing the healthcare reform law go into effect Sept. 23, and a flurry of new proposals, guidance and directives regarding the law are being issued by federal agencies.

Now that the healthcare reform bill with of its final changes has been signed into law, what will its impact be on professional insurance agents and their customers?

Phony health plans are sweeping the U.S. in a crime wave that should put every agent on alert. Now is the time for agents to enhance their value by educating consumers about the red flags of fraud.

The good news? The new law presents some great opportunities for agents and brokers to prove their mettle to their customers.

With a Republican Senate win tipping the Congressional balance away from the Democrats (see "Legislative Roundup"), healthcare reform has officially been relegated to the back burner.