In a 2012 study from eHealth Inc., less than one-third of small businesses polled knew if they needed to provide healthcare insurance for employees. Research conducted earlier this year from the Kaiser Family Foundation revealed that 42 percent of Americans didn't know if the Patient Protection and Affordable Care Act (PPACA) had been signed into law or not.

Uncertainty may reign outside the insurance sector, but independent agents and brokers are quickly getting up to speed on the details of healthcare reform and its implementation timeline. Agents also are learning how fundamental changes in the way people purchase health insurance will shape the agency of tomorrow.

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