,,ii  #aac? ,,congress  #a/ ,session    
,s4 #fej  ,,9 ,,! ,,s5ate ,,( ,,!       
,,unit$ ,,/ates  ,m>* #ba1 #bjac ,ms4   
,l&rieu introduc$ ! foll[+ bill2 :i* 0  
read twice & ref]r$ to ! ,committee on  
,heal?1 ,education1 ,labor1 & ,p5sions  
,a ,,bill  ,to am5d title ,,xxvii ( !   
,public ,heal? ,s]vice ,act to pres]ve  
consum] & employ] access to lic5s$      
indep5d5t insurance produc]s4  #a4 ,%ort
 title ,?is ,act may be cit$ z ! ,access
 to ,indep5d5t ,heal? ,insurance        
,advisors ,act ( #bjac4  #b4 ,f9d+s     
,congress f9ds ! foll[+3  7#a7 ,lic5s$  
indep5d5t insurance produc]s 7ag5ts &   
brok]s7 provide a wide range ( s]vices =
 bo? individual consum]s & ! bus9ess    
community4 ,produc]s int]face ) insur]s1
 acquire quotes1 analyze plan options1 &
 consult cli5ts ?r\gh ! pur*ase ( heal? 
insurance4  7#b7 ,lic5s$ indep5d5t      
insurance produc]s provide guidance     
reg>d+ b5efit & contribution arrangem5ts
 to ensure compliance ) applicable ,/ate
 & ,f$]al laws & regulations2 assi/ )   

e/abli%+ section #abe plan tax sav+s "u 
! ,int]nal ,rev5ue ,code1 heal?         
reimbursem5t arrangem5ts1 flexible sp5d+
 arrangem5ts1 evaluat+ & secur+ small   
bus9ess tax cr$its z provid$ 9 ! ,pati5t
 ,protection & ,af=dable ,c>e ,act1 &   
o!r programs to maximize tax advantages 
& ensure compliance ) applicable        
,int]nal ,rev5ue ,s]vice guidel9es2     
create educational mat]ials & provide   
on-site assi/ance to aid 9 employee     
b5efit communication2 assi/ 9 manag+    
eligibility = new hires & t]m9at$       
employees2 provide advocacy = employees 
?r\gh ! heal? insurance claim process2 &
 advocate = employ]s ) insur]s 9        
develop+ proposals1 r5ewals1 & = s]vice 
issues ?r\gh\t ! ye>4  7#c7 ,9 ord] to  
meet ^! responsibilities1 lic5s$        
indep5d5t insurance produc]s are requir$
 to complete cont9u+ education on an    
ongo+ basis 9 ord] to ma9ta9 appropriate
 lic5ses4 ,?is requirem5t to ma9ta9     
educational /&>ds helps assure ! insur$ 
public t produc]s rema9 curr5t ) !      

ev]-evolv+ insurance m>ket4  7#d7 ,x is 
ess5tial t lic5s$ indep5d5t insurance   
produc]s cont9ue to p]=m ^! duties1 &   
o!rs1 z ! ,pati5t ,protection &         
,af=dable ,c>e ,act has made significant
 *anges to ! regulatory environm5t =    
heal? plans4 ,to und]/& ^! *anges1      
employ]s & consum]s w ne$ pr(essional   
guidance ev5 m 9 ! future4 ,?is s]vice  
is especially important = small         
bus9esses1 z su* produc]s (t5 fill !    
role ( a human res\rces dep>tm5t z well 
z pr(essional consultant4  7#e7 ,!      
,national ,association ( ,insurance     
,commission]s 7,,naic71 ^: core mission 
is to protect consum]s 9 all aspects ( !
 bus9ess ( insurance1 /rongly advocates 
= ! cont9u+ role ( lic5s$ indep5d5t     
insurance produc]s 9 heal? insurance1 & 
has express$ t ! ability ( insurance    
ag5ts & brok]s to cont9ue assi/+ heal?  
insurance consum]s at a "t ( rapid      
insurance m>ket *anges is m ess5tial ?an
 ev]4 ,on ,novemb] #bb1 #bjaa1 ! ,,naic 
adopt$ a resolution /at+ t ,congress    

%\ld exp$iti\sly consid] legislation    
am5d+ ! ,,mlr provisions ( ! ,,ppaca 9  
ord] to pres]ve consum] access to ag5ts 
& brok]s4  7#f7 ,x is critical t !      
indisp5sable role play$ by lic5s$       
indep5d5t insurance produc]s is         
recogniz$ & protect$4  #c4 ,protect+ !  
ability ( lic5s$ indep5d5t insurance    
produc]s to cont9ue to s]ve ! public    
7a7 ,9 g5]al ,section #bgah ( ! ,public 
,heal? ,s]vice ,act 7#db ,u4,s4,c4      
#cjj;gg-#ah71 z ins]t$ by section #ajja 
& am5d$ by section #ajaja7;f7 ( !       
,pati5t ,protection & ,af=dable ,c>e    
,act 7,public ,law #aaj-adh71 is am5d$--
  7#a7 9 subsection 7a77#c71 by ins]t+ 1
 remun]ation paid = lic5s$ indep5d5t    
insurance produc]s1 aft] ,/ate taxes2 & 
7#b7 9 subsection 7b77#a7--  7,a7 9 !   
matt] prec$+ clause 7i7 ( subp>agraph   
7,a71 by ins]t+ 1 remun]ation paid =    
lic5s$ indep5d5t insurance produc]s 9 ! 
individual & small gr\p m>ket1 aft]     
,/ate taxes2 &  7,b7 9 subp>agraph      
7,b77i77,,ii71 by ins]t+ 1 remun]ation  

paid = lic5s$ indep5d5t insurance       
produc]s 9 ! individual & small gr\p    
m>ket1 aft] ,/ate taxes2 &  7#c7 by add+
 at ! end ! foll[+3  7f7 ,indep5d5t     
insurance produc] remun]ation def9itions
 ,= purposes ( ?is section3  7#a7 ,! t]m
 indep5d5t insurance produc] means an   
insurance ag5t or brok]1 insurance      
consultant1 b5efit speciali/1 limit$    
insurance repres5tative1 & any o!r p]son
 requir$ to be lic5s$ "u ! laws ( !     
p>ticul> ,/ate to sell1 solicit1        
negotiate1 s]vice1 effect1 procure1 r5ew
 or b9d policies ( insurance cov]age or 
(f] advice1 c\nsel1 op9ions1 or s]vices 
relat$ to insurance4  7#b7 ,! t]m       
remun]ation means comp5sation e>n$ f an 
insurance issu] = s]vices r5d]$ "u      
contractual agreem5t :i* may include    
commissions or any o!r ?+ ( value b :i* 
%all n include production bonuses4  4   
7b7 ,regulations ,n lat] ?an #fj days   
aft] ! date ( ! enactm5t ( ?is ,act1 !  
,secret>y ( ,heal? & ,human ,s]vices    
%all am5d any applicable regulations z  

necess>y to implem5t ! am5dm5ts made by 
subsection 7a74