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One of the major changes under the Patient Protection and Affordable Care Act (PPACA) will be the mandated creation of state insurance exchanges by 2014. The exchanges will be able to craft plans for individuals and small businesses that were previously paying higher premiums or unable to afford coverage.

The presence of the exchanges has some P&C agents who deal in Life & Health coverage concerned that clients will drop them in the belief that selecting coverage through the medical exchange can be done without the guidance of an agent.

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