California became the first state to mandate that HMOs in the state provide care to their members within set time limits, a move that health plans say could lead to higher premiums.
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As a direct result of the Patient Protection and Affordable Care Act (PPACA) – also known as ObamaCare – health insurance agent and broker commissions have been slashed by as much as 50%. Agencies have been forced to lay off employees, limit products and services, shift to other lines, and have seen significant drops in compensation.

