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A lot more people are going to have insurance at work because of the associated health plans that the administration has put out there and theyre already beginning to work. >> are you at a point, though, that the expectation now is the affordable care act is the new baseline, whatever you do, you cant eliminate any benefits that that already has? >> i think you can create more options. i do think for the individual marketplace, for any foreseeable future, the affordable care act is going to be t...