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Despite deep divisions within its own ranks and united opposition from Republicans, Democrats appeared to be moving closer and closer at year’s-end to landmark legislation reforming the nation’s health care system, with vast implications for insurance sellers and consumers.

The outcome is potentially huge for property and casualty agents, as a growing number depend on the sale of group health coverage–for which the market is never soft–for an increasing share of both their top-line revenue and bottom-line profits.

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