Stop worrying about the big issues of health care reform. The Patient Protection and Affordable Care Act and the reconciliation bill that patched up some problems will take years to resolve, and the biggest issue for agents and brokers will be the establishment of state-operated exchange marketplaces to offer health insurance coverage. In the meantime, here's a provision in health care reform that hasn't received the attention of the general provisions and takes effect much sooner. It may demand some immediate fretting for agents and brokers that sell long term care (LTC) insurance as a voluntary benefit program. A new federal plan designed to supplement private resources for long term care may turn into the toughest competition for private plans. While most private LTC insurance plans can pay benefits for five years or longer, most buyers choose the cheaper three-year benefit period, notes Jesse Slome, executive director of the American Association for Long-Term Care Insurance.