In corporate suites, K Street conference rooms, and Wall Street investment shops, industry players haven’t all been content to wait and see what the court does. The war-gaming over the law—the Affordable Care Act—has been particularly intense for insurers and retailers, who are preparing for a doomsday scenario in which the law's individual mandate is struck down but other provisions are left intact. If insurers are required to cover folks with pre-existing conditions, but young and healthy consumers aren't required to buy health plans, premiums will skyrocket.