Although a circuit court judge has ruled the Obama administration has no right to restrict the sale of fixed indemnity plans to consumers who also hold Affordable Care Act compliant insurance, the ruling will not have a material impact on the market,  industry experts say.

Central United Life, a Houston-based company that sells these plans, filed suit against the Department of Health and Human Services to have the right to sell the plans to individuals, even if the plans don’t have minimum essential coverage as required under the ACA.

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