Grandfathered plans are health plans that were in existence on March 23, 2010, and haven’t been changed in ways that substantially cut benefits or increase costs for plan holders. If you have a grandfathered plan, you may not get some rights and protections that other plans offer. Your insurer must notify you if you have a grandfathered plan.
If you have one of these plans you can switch to a Marketplace plan that covers pre-existing conditions.
Job-based grandfathered plans
Job-based grandfathered plans can enroll people after March 23, 2010, and still maintain their grandfathered status if the plans:
Individual grandfathered plans
Individual grandfathered plans can’t newly enroll people after March 23, 2010, and have that new enrollment be considered a grandfathered policy. But insurance companies can continue to offer the grandfathered plans to people who were enrolled before that date.
An insurance company can also decide to stop offering a grandfathered plan. If it does, it must provide notice 90 days before the plan ends and offer enrollees other available coverage options. Learn more about plan cancellation.
Protections that apply to all health plans
All health plans, including grandfathered plans, must:
Protections that DON’T apply to grandfathered plans
Grandfathered plans DON'T have to:
Protections that DON’T apply to individual grandfathered plans
In addition to the above, grandfathered individual health insurance plans (the kind you buy yourself, not the kind you get from an employer) don't have to:
Note: Some grandfathered plans offer protections they're not required to. Check with your insurance company or benefits administrator to learn if your grandfathered plan offers the rights and protections listed above.
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