The words “innovation” and “disruption” seem to come up a lot these days, and with good reason. The benefits industry is experiencing a transformation unlike anything its seen before.

Being a broker today is a challenge. Health care insurance laws are changing from one day to the next, employers are balking at rising costs, and employees are disgruntled and ready to jump ship.

The silver lining is that all of these challenges create an opportunity for brokers to step in and provide solutions. 2018 is poised to be a year of major changes, and the best brokers will find themselves coming out on top.

To make sure you're not left behind, consider these 10 tips >>>

1. “Disruption is inevitable; it's your strategy and how well you prepare that helps mitigate that disruption.” —Jared Smith, Interactive Health, Inc.

2. “Chaos breeds opportunity. Many groups are begging for guidance. They don't want to get bad news every year. They are looking for cost containment and a more efficient way of doing things.” —Rachel Miner, Employee Benefit Advisors of the Carolinas, LLC

3. “Whether or not employers can see through the mediocre service they're getting from brokers, the system is still broken. It's on me to make sure I'm constantly sharing knowledge about how we can push the system to change.” —Cara Kirsch, SilverStone Group

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