To sell health-related insurance products other than major medical insurance in 2016, it might help to start with calming music, herbal tea, or, in states where this is legal, medical marijuana.

Anything to get prospects down from the ceiling long enough that they can calm down and look at you, rather than muttering, "Full-time equivalent, full-time equivalent," over and over. And over.

It looks as if 2016 will be the first year that the Patient Protection and Affordable Care Act (PPACA) will have noticeable effects on ordinary big and midsize employers. Maybe it's a hammer that's dropping. Maybe it's the other shoe that's dropping. Whatever the right metaphor is for the start of the PPACA commercial health insurance market changing the market in a significant way, the changes are here.

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Allison Bell

Allison Bell, a senior reporter at ThinkAdvisor and BenefitsPRO, previously was an associate editor at National Underwriter Life & Health. She has a bachelor's degree in economics from Washington University in St. Louis and a master's degree in journalism from the Medill School of Journalism at Northwestern University. She can be reached through X at @Think_Allison.