As the Supreme Court wraps up the first of three days of oral arguments on the constitutionality of several provisions in the Affordable Care Act (ACA), the insurance industry is bracing for changes that could rock the market.

The justices will ultimately answer four distinct questions around the legality of the reforms, chief among them from ACA’s Section 1501, which holds that individual taxpayers are required to have insurance that meets a minimum standard or pay a penalty.

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