By Tom Linn and Wayne A. Walkotten, MarshBerry

The general consensus in the broker community is that large group accounts (greater than 100 employees) are likely to retain the status quo despite recent healthcare reform. The more difficult question regards the future of small group accounts (less than 50 employees) and individual health accounts. What will be the brokers' role for these accounts? Will there be any role at all? Or will new opportunities abound?

Because each state will determine its role and the use of exchanges, the following issues tend to reflect a national view. The timing and delivery of exchanges will vary by state.

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