Health insurance agents spend most of their time gathering quotes, explaining coverage and helping clients choose from different options. These tasks are often handled by the human resources department at large companies. Nearly seven out of 10 small businesses and more than one out of three individuals purchasing health insurance, on their own, use a broker to buy their policy, according to the Kaiser Family Foundation.  But now the industry is facing a major challenge from the recent health care reform and rather than working against the changes, some agents are coming up with ways to work with them according to a report in the www.dailypress.com.