What is a "grandfathered plan" and how do I know if I have one?

Grandfathered plans are health plans that were already in place on March 23, 2010, when the ACA was enacted, and that have stayed largely the same since that time. Grandfathered plans are exempt from some ACA provisions. For example, a grandfathered individual plan does not have to guarantee coverage for people with pre-existing medical conditions or end yearly dollar limits on coverage. However, it's important to note that some grandfathered plans may offer benefits that are not required. Even if you joined a plan after March 23, 2010, the plan may still be grandfathered. The status depends on when the plan was created, not when you joined it. You can find out if your plan is grandfathered by checking your plan’s materials. Health plans must disclose if they are grandfathered in materials describing plan benefits. You can also check with your employer or your health plan’s benefits administrator.


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