When Democrats won the House majority in the November midtermelections, brokers sighed in relief: Stability for theoft-contested Affordable Care Act (ACA) was finally assured. Or sowe thought.

But in late December, Texas Federal Judge Reed O'Connor struckdown the ACA as unconstitutional, once again calling the future ofthe ACA into question and setting off a series of court rulings andHouse votes that have left employers' heads spinning.

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