Healthcare reform, technology advances and the rising cost of care is changing the way insurance is purchased and utilized, while empowering the consumer to make their own healthcare decisions. As a result, more money per member per month is being invested within the individual consumer segments.

According to research by PA Consulting Group, growth in private exchanges is estimated to reach 30 million by 2019, and by 2020 we expect the majority of consumers to be purchasing insurance through a public or private exchange.

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