As the Supreme Court is expected to hand down its decision on health care reform in June, the speculation continues regarding the anticipated outcome. Although the Supreme Court could completely overturn health care reform, it could also only remove the individual mandate but move forward with the exchange system, which is what Ron Goldstein, founder and president of CHOICE Administrators, a developer and administrator of health care exchanges in Orange, Calif., expects to happen.

"I think the Supreme Court could strike down the individual mandate because there is little precedent that supports the government requiring everyone to buy health insurance, but I don't think they're going to get rid of guaranteed insurability," Goldstein says. "My gut feeling says we're just too far down the road."

But even if Goldstein's gut feeling is wrong, he still believes many states, such as California, Washington and Oregon, will move forward with establishing a state exchange program. These states, in particular, have already started the process, and to be successful, brokers must play a vital role, Goldstein says.