Grandfathering

Grandfathering Exemption
Under Health Care Reform

Video Grandfathering
Health Care Reform
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Health coverage that was in effect when the Affordable Care Act was enacted 9/23/2010 will be exempt from some provisions in the Act if they remain “grandfathered.” Under the rules cited below, employers or issuers offering such coverage will have the flexibility of making reasonable changes without losing their “grandfathered” status. For example, employers will be able to:

make some changes to the benefits their plans offer,
raise premiums or change employee cost-sharing to keep pace with health costs within some limits, and
continue to enroll new employees and their families.

However, if health plans significantly raise co-payments or deductibles, or if they significantly reduce benefits – for example, if they stop covering treatment for a disease like HIV/AIDS or cystic fibrosis – they’ll lose their grandfathered status and their customers will get the same full set of consumer protections as new plans.

The bottom line is that under the Affordable Care Act, if you like your doctor and plan, you can keep them. But if you aren’t satisfied with your insurance options today, the Affordable Care Act provides for better, more affordable health care choices through new consumer protections. (^{healthreform.gov)}

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