As we are just hours away from the Supreme Court decision on the constitutionality of the Patient Protection and Affordable Care Act, there's a lot of speculation as to which way the ruling's going to go.

But even if the Court rules the PPACA unconstitutional—a ruling most brokers are hoping for—health reform is still going to happen, breakout session speaker Anne Sperling said at NAHU's annual conference in Las Vegas.

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