A concern that a so-called "navigator" provision will limit the ability of insurance agents to sell health insurance products will be front and center on the agenda of the industry's lobbyists as the U.S. Senate begins debate Nov. 30 on its version of reform legislation.

While agent groups object to a number of other provisions in the bill–particularly one creating a government-run insurance plan, unless a state opts out–the navigator section strikes at the heart of independent agent participation in the health insurance marketplace.

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