Today, we stand at a pivotal time for the insurance industry. As the Affordable Care Act begins to take effect, 12 million Americans are expected to buy insurance through the healthcare exchanges in 2014. This will drive millions of dollars worth of transactions in a commoditized environment where price and brand play a huge role in the decision making process. Insurers understand that there are large challenges for their customers as well. Now is the time for insurance advertisers to instill confidence, trust and loyalty with consumers.