Although the 2010 Patient Protection and Affordable Care Act (PPACA) is currently under scrutiny by the U.S. Supreme Court for possibly being unconstitutional, many states are still pressing ahead with setting up insurance exchanges.

A requirement of President Obama's health-care reform law is that all states establish health-insurance exchanges to provide a mechanism to funnel federal subsidies and make it easier for consumers to shop for insurance policies.

These exchanges could have significant impact on agents and brokers—especially those who facilitate policies primarily for individual and small groups of fewer than 50 employees.

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