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Q. Now what? The law is upheld, so where does it go from here?

A. Now the scramble to enact the law continues. Unless the law is repealed by Congress, most of the major changes take effect on Jan. 1, 2014. By then, states must have set up health insurance exchanges, where people can buy coverage. Insurers will have to offer policies to anyone who applies, including people with expensive medical conditions. And people who do not qualify for exemptions based on income or religion will be required to have minimum insurance coverage or pay a penalty.

Q. In what way was the

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