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What profound changes we have seen in the insurance industry in just the past year! After working for insurance and reinsurance companies for many years, I was away from the industry for several months. When I returned, the number of major changes in the legal, regulatory, and risk environments surprised me. I can certainly relate to the story of Rip van Winkle, awakening to a world of new ideas and advancements.

One year ago, the biggest concerns I faced as in-house counsel and compliance officer included the Non-Admitted and Reinsurance Reform Act, new Medicare claim reporting requirements, and increasingly onerous privacy regulations. These issues now seem pale in comparison to the issues inherent in health care reform with the passage of the new Patient Protection and Affordable Care Act.

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