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Commentary: Columnist and management consultant Craig Davidson discusses what your prospect wants from you now, and in the near future, in return for an agent-of-record letter.

In an effort to raise money for Colorado’s state health insurance exchange, the board responsible for securing its financing has levied a new fee on all insurance policies issued in Colorado, including those sold off of the exchange.

Commentary: Employer prospects often view a benefit broker's LinkedIn profile early in the sales process to learn more about them. Benefit advisers hoping to use LinkedIn as a powerful sales tool should optimize their profile to make themselves stand out — as opposed to looking like everyone else.

Many consumers find health care websites tough to navigate and are not satisfied overall, indicating a need to improve the enrollment experience.

The IRS has issued its first adjustment to the ACA definition of “affordability” for the 2015 plan year. Building a solid ACA compliance plan with your employer clients means understanding the act clearly provides for such changes.

Amidst further rollout of the ACA’s provisions, researchers expect more employees to enroll in their employer-sponsored health plan for 2015 — a surge benefit advisers should be preparing employers to manage.

Millennials, Gen Xers and single parents have different savings goals in mind that will require benefit advisers and employers hoping to increase retirement plan participation to target the needs of these differing employee populations.

One of the most important issues on the mind of business owners is the Affordable Care Act and its employer shared responsibility provision. Paychex shares the top three ESR questions received from business owners and their responses.

Retiring baby boomers and health care reform law contribute to increased mergers and acquisitions activity.

Commentary: Advisers are selling more voluntary benefits than in previous years, but as the number of employers considering these benefits in 2015 increases, ask yourself, are you prepared to sell these products and meet client needs?