A report from the Department of Health and Human Services revealed that we’re currently experiencing the largest drop in uninsured American in four decades—potentially, a major sign pointing to the Affordable Care Act’s success. At the same time, its fate hangs in the balance. The question: what happens if the Affordable Care Act is struck down?

To shed some light on the subject, we bring in attorney Pepper Crutcher. He’s with Balch & Bingham and author on the Affordable Care Act Review.