The National Association of Insurance Commissioners on March 3 released for comment draft legislation that would remove broker compensation from the medical loss ratio calculation. Reportedly “nearly identical” to upcoming legislation from Michigan Rep. Mike Rogers (R), the National Association of Health Underwriters’ Jessica Waltman calls the bill a significant step.

The Department of Health and Human Services has awarded seven grants totaling $241 million to assist "early innovator" states in building the information technology infrastructure necessary to operate state-level health information exchanges mandated under the Patient Protection and Affordable Care Act.

President Barack Obama extended an olive branch on Monday to states struggling to implement his health care law, offering support for a proposal that would give them some flexibility in carrying out its key parts.

Never have more partners than you can fit in an elevator. While that sounds like a joke, in fact it's good advice when you're starting a business. While it is important to have partners who bring skills to the table, the choices must be made carefully and with an eye toward keeping the group a manageable size.

Well, football season is over, and we are now headlong into March Madness. It's likely to be almost as frenetic as the ongoing gyrations surrounding PPACA in the political forum, the courts, and in the marketplace.

In past columns I've highlighted some of the reasons why women are so successful in the insurance industry. However, we still face certain challenges.

Health care reform has been good for business - true or false? These days, it still depends on whom you ask. Ask a producer who sells critical care insurance, though, and the answer you'll probably get is "true."

Voluntary benefits is often referred to as "worksite marketing." Many carriers, in fact, refer to their voluntary products as "worksite voluntary benefits." Recent developments in enrollment technology, however, are rapidly making the term "worksite" obsolete and no longer relevant to the voluntary benefits process. The term "worksite" derives from how these benefits have had to be enrolled. As products that are voluntarily purchased by employees, the only consistently effective means of presenting (and selling) them have been one-on-one employee meetings with licensed benefit counselors (enrollers) at the workplace during the workday.

The social business software market is evolving rapidly, and so are the language and features of the category.

To begin, we learned about the Death of worksite voluntary benefits. Well, not so much the death of them, but more of a re-working. We need to keep in touch and keep tabs on the market place. It's important to keep up with the terms being used - "core" and "voluntary" might have new meanings to your prospective clients. You've got to stay in touch with carriers offering worksite plans and be up to speed on how they integrate with the entire benefit package - or some other adviser will be telling your former clients about it!

In last month's column we detailed the three psychological states that benefits buyers find themselves in, especially the one you want to lead a buyer to - "satisfied." If you missed my last column, you may want to pick up a copy of the February issue of EBA or read the digital edition on the EBA website, eba.benefitnews.com.

Unless you've been living under a rock, you are already aware that at least one major carrier has announced that premiums for groups of 51 employees or more will no longer include commissions. The agent can specify the commission level desired and it will be billed by the carrier, but it will be a line item visible to the client.

The notion that you can do well by doing good is alive and well in the 401(k) and qualified plan marketplace. Advisers, however, are walking a tightrope. With a big push by the government for more disclosure and stricter fiduciary standards, broker-dealers are struggling to allow their advisers to act as fiduciaries without opening themselves to unwanted liability. Meanwhile, plan sponsors are looking for advisers who can help their participants be more successful in retirement yet limit their costs, liability and work.

As the economy starts to stabilize, retirement plan experts say plan sponsors need to emphasize certain elements of their retirement education and advice programs to get workers back on track and saving for retirement.

While some media outlets have focused on the unscrupulous acts of life insurers and agents marketing unsuitable products to military families, Mike Nordquist and his agency, Consolidated Financial Group, have worked diligently over the past 35 years to protect the financial interests of U.S. soldiers and their families.

Advisers looking for innovative ways to help their clients attack health care costs now have a new arrow in their quiver: the nascent field of surgery benefit management. SBM combines the use of medical centers of excellence and medical tourism with data mining, predictive modeling, health coaching and case management.

Employers struggling to stay afloat in the flood of guidance on implementing the Patient Protection and Affordable Care Act will find themselves looking both forward and backward this year. Their challenge: to gauge how the PPACA rules issued so far are affecting their plans while at the same time anticipating the changes that lie ahead in 2012, 2014, and even 2018.

On Capitol Hill the rubber has met the road on health reform. Last month saw three noteworthy attacks on PPACA. First the House passed the PPACA repeal bill that House Speaker John Boehner had promised. Then came the ruling by a federal district court judge in Florida that the entire law is unconstitutional. This was followed by passage in the Senate of a bill to repeal PPACA's widely disliked 1099 tax reporting burden.

As President Barack Obama's health care reform package worked its way through Congress in 2009 and early 2010, Randy Flem kept a close eye on the proceedings. When Obama signed the Patient Protection and Affordable Care Act into law on March 23, 2010, Flem knew it was time to dive in. A veteran of the political process, "I had this belief that I could make a difference," says Flem. "So I just moved forward."

It was just last March when the Patient Protection and Affordable Care Act was signed into law. Now, one year later, the one thing that seems to be most certain ... is that nothing is certain at all.