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Health Care Reform:

Health Insurance & Affordable Care Act

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Grandfathered plans

Health plans that were in effect before the Affordable Care Act was signed into law on March 23, 2010, are called grandfathered plans. Because these plans existed before health care reform, they do not have to make certain changes called for by the law.

If you have a grandfathered plan, you may not receive certain benefits the law now requires of new health plans. For instance, grandfathered plans don't have to provide  preventive care at no cost to you or follow the same rules for appealing a claim.

A plan may lose its grandfathered status if it makes major changes that reduce benefits or increase costs to consumers.


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