Recently, a fedeal appeals court struck down a key component of the health care law — the provision requiring all citizens to acquire coverage. And while the court didn't declare the entire Affordable Care Act unconstitutional, as previous courts did, the decision was certainly a game changer for those in the health insurance industry.

Pete Villemain, president and owner of Employee Benefit Services, says there are two ways the decision could go from here. One, the ACA could stay in place, with the individual mandate removed.

According to Alex Forrest of AC Forrest Insurance Group, that would cause problems for insurance companies.

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