The Patient Protection and Affordable Care Act and state-based health insurance exchanges will bring significant changes to the health care marketplace. Agents will need to reinvent themselves to survive in this new and transforming environment. Fortunately, opportunities abound.

In March, shortly after passage of the Patient Protection and Affordable Care Act, American Agent & Broker spoke with Adam Bruckman, president and chief executive officer of Digital Insurance Inc.

While more than half of employers recently surveyed about health care reform provisions say they will maintain their health plans, one-third don't know what they will do in 2014 when new state exchanges start operating.

Federal regulators established as federal law medical loss ratio guidelines that largely track the guidelines approved by the National Association of Insurance Commissioners on Oct. 21.