SACRAMENTO - Supreme Court Justices set to make a major decision that could impact healthcare for millions of Americans.

U.S. Supreme Court is set to rule as early as Monday on the 2010 health care reform bill.

The nine Justices could make a number of decisions. They could repeal part of President Obama's healthcare plan. They could also repeal the entire healthcare reform bill. Whatever their decision, the impact is huge. It affects millions of Americans.

Just say the words health insurance, and you hear stories like this one. " I am on my parents health insurance which is through their work, then on December 26th when I turn 26 years old then I won't have insurance anymore through them," said Elyse Fulton.

Fulton is talking about a portion of President Obama's healthcare reform which keeps her covered by her parents until she's 26. The part of the health reform bill being debated is the individual mandate. Supreme Court Justice will decide if this minimum coverage requirement is constitutional.

People who do not buy health insurance, its requiring them to take action and buy health insurance. And so I think a lot of people see that as a great intrusion by the federal government," said Andrew Stroud.

Constitutional lawyer Andrew Stroud says the Justices have a huge decision to make interpreting the commerce clause of the constitution. The clause addresses the government's regulation of activity, not inactivity. The Justices could broaden the scope of the clause with their decision. If the Supreme Court finds it constitutional it could still be repealed by Congress," said Stroud.

Another decision could be no action and more time to study healthcare reform. "The Supreme Court can ask for more time on the issue, and frankly I think that would be the most prudent way to go," said Stroud. Given the fact that is an election year, Andrew Stroud says if the Justices made a decision calling the Individual mandate constitutional or unconstitutional, it could give either Democrats or Republicans ammunition.

Stroud thinks the best and most likely decision will be no action at all. The Justices may take more time to review healthcare reform.

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