President-elect Donald Trumps vow to repeal the Affordable Care Act sent shares of hospital chains and insurers tumbling on the possibility that millions of customers could lose coverage.

Earlier this year, a California jury awarded Aetna over $37 million in damages after determining that a network of northern California ambulatory surgery centers (ASCs) overbilled the insurer for out-of-network procedures.

Ive spent 7 years trying to understand the health reform law, and while I guessed wrong on Trump, I do have a pretty good record predicting where the market is going. Here are my 3 predictions.