{"id":169377,"date":"2025-06-19T11:16:48","date_gmt":"2025-06-19T11:16:48","guid":{"rendered":"https:\/\/namso-gen.co\/blog\/what-is-a-grandfathered-insurance-plan\/"},"modified":"2025-06-19T11:16:48","modified_gmt":"2025-06-19T11:16:48","slug":"what-is-a-grandfathered-insurance-plan","status":"publish","type":"post","link":"https:\/\/namso-gen.co\/blog\/what-is-a-grandfathered-insurance-plan\/","title":{"rendered":"What is a grandfathered insurance plan?"},"content":{"rendered":"<p>A grandfathered insurance plan is a health insurance policy that existed before the Affordable Care Act (ACA) was signed into law on March 23, 2010. These plans are not required to comply with all provisions of the ACA, and they may have different coverage, benefits, and costs compared to plans that are ACA-compliant.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_62 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/namso-gen.co\/blog\/what-is-a-grandfathered-insurance-plan\/#FAQs_about_Grandfathered_Insurance_Plans\" title=\"FAQs about Grandfathered Insurance Plans\">FAQs about Grandfathered Insurance Plans<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/namso-gen.co\/blog\/what-is-a-grandfathered-insurance-plan\/#1_Are_all_grandfathered_insurance_plans_exempt_from_the_ACA\" title=\"1. Are all grandfathered insurance plans exempt from the ACA?\">1. Are all grandfathered insurance plans exempt from the ACA?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/namso-gen.co\/blog\/what-is-a-grandfathered-insurance-plan\/#2_Can_I_keep_my_grandfathered_insurance_plan_forever\" title=\"2. Can I keep my grandfathered insurance plan forever?\">2. Can I keep my grandfathered insurance plan forever?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/namso-gen.co\/blog\/what-is-a-grandfathered-insurance-plan\/#3_Do_grandfathered_plans_have_to_cover_pre-existing_conditions\" title=\"3. Do grandfathered plans have to cover pre-existing conditions?\">3. Do grandfathered plans have to cover pre-existing conditions?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/namso-gen.co\/blog\/what-is-a-grandfathered-insurance-plan\/#4_Are_there_any_benefits_to_having_a_grandfathered_insurance_plan\" title=\"4. Are there any benefits to having a grandfathered insurance plan?\">4. Are there any benefits to having a grandfathered insurance plan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/namso-gen.co\/blog\/what-is-a-grandfathered-insurance-plan\/#5_Can_I_switch_from_a_grandfathered_plan_to_an_ACA-compliant_plan\" title=\"5. Can I switch from a grandfathered plan to an ACA-compliant plan?\">5. Can I switch from a grandfathered plan to an ACA-compliant plan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/namso-gen.co\/blog\/what-is-a-grandfathered-insurance-plan\/#6_Will_my_grandfathered_plan_be_subject_to_rate_increases\" title=\"6. Will my grandfathered plan be subject to rate increases?\">6. Will my grandfathered plan be subject to rate increases?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/namso-gen.co\/blog\/what-is-a-grandfathered-insurance-plan\/#7_Can_I_add_dependents_to_my_grandfathered_plan\" title=\"7. Can I add dependents to my grandfathered plan?\">7. Can I add dependents to my grandfathered plan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/namso-gen.co\/blog\/what-is-a-grandfathered-insurance-plan\/#8_Will_my_grandfathered_plan_cover_preventive_services\" title=\"8. Will my grandfathered plan cover preventive services?\">8. Will my grandfathered plan cover preventive services?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/namso-gen.co\/blog\/what-is-a-grandfathered-insurance-plan\/#9_Do_grandfathered_plans_have_a_maximum_out-of-pocket_limit\" title=\"9. Do grandfathered plans have a maximum out-of-pocket limit?\">9. Do grandfathered plans have a maximum out-of-pocket limit?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/namso-gen.co\/blog\/what-is-a-grandfathered-insurance-plan\/#10_Can_insurance_companies_change_or_cancel_grandfathered_plans\" title=\"10. Can insurance companies change or cancel grandfathered plans?\">10. Can insurance companies change or cancel grandfathered plans?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/namso-gen.co\/blog\/what-is-a-grandfathered-insurance-plan\/#11_Are_there_any_restrictions_on_renewing_a_grandfathered_plan\" title=\"11. Are there any restrictions on renewing a grandfathered plan?\">11. Are there any restrictions on renewing a grandfathered plan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/namso-gen.co\/blog\/what-is-a-grandfathered-insurance-plan\/#12_Will_my_grandfathered_plan_cover_prescription_drugs\" title=\"12. Will my grandfathered plan cover prescription drugs?\">12. Will my grandfathered plan cover prescription drugs?<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"FAQs_about_Grandfathered_Insurance_Plans\"><\/span>FAQs about Grandfathered Insurance Plans<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<h3><span class=\"ez-toc-section\" id=\"1_Are_all_grandfathered_insurance_plans_exempt_from_the_ACA\"><\/span>1. Are all grandfathered insurance plans exempt from the ACA?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nNot all grandfathered plans are exempt from the ACA. They must meet certain requirements to maintain their grandfathered status.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Can_I_keep_my_grandfathered_insurance_plan_forever\"><\/span>2. Can I keep my grandfathered insurance plan forever?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nGrandfathered plans may continue as long as the insurer offers them, but there may be changes made to the plan that could affect its status.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Do_grandfathered_plans_have_to_cover_pre-existing_conditions\"><\/span>3. Do grandfathered plans have to cover pre-existing conditions?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nGrandfathered plans are not required to cover pre-existing conditions, unlike ACA-compliant plans that must cover them.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Are_there_any_benefits_to_having_a_grandfathered_insurance_plan\"><\/span>4. Are there any benefits to having a grandfathered insurance plan?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nGrandfathered plans may have lower premiums or different benefits compared to ACA-compliant plans, so some individuals may prefer them for cost or coverage reasons.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Can_I_switch_from_a_grandfathered_plan_to_an_ACA-compliant_plan\"><\/span>5. Can I switch from a grandfathered plan to an ACA-compliant plan?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYou can switch from a grandfathered plan to an ACA-compliant plan during the annual open enrollment period, or if you have a qualifying life event that allows you to make changes to your coverage.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_Will_my_grandfathered_plan_be_subject_to_rate_increases\"><\/span>6. Will my grandfathered plan be subject to rate increases?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nGrandfathered plans may still experience rate increases over time, but they are not subject to all the rate restrictions that apply to ACA-compliant plans.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_Can_I_add_dependents_to_my_grandfathered_plan\"><\/span>7. Can I add dependents to my grandfathered plan?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYou can usually add dependents to a grandfathered plan, but there may be limitations or restrictions depending on the specific policy.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_Will_my_grandfathered_plan_cover_preventive_services\"><\/span>8. Will my grandfathered plan cover preventive services?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nGrandfathered plans must cover certain preventive services without cost-sharing, as required by the ACA.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"9_Do_grandfathered_plans_have_a_maximum_out-of-pocket_limit\"><\/span>9. Do grandfathered plans have a maximum out-of-pocket limit?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nGrandfathered plans are not required to have a maximum out-of-pocket limit, unlike ACA-compliant plans that have set limits on the amount individuals can be required to pay for covered services.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"10_Can_insurance_companies_change_or_cancel_grandfathered_plans\"><\/span>10. Can insurance companies change or cancel grandfathered plans?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nInsurance companies can make changes to grandfathered plans, such as altering benefits or increasing premiums, but they must follow certain guidelines to maintain the plan&#8217;s grandfathered status.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"11_Are_there_any_restrictions_on_renewing_a_grandfathered_plan\"><\/span>11. Are there any restrictions on renewing a grandfathered plan?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nThere are no specific restrictions on renewing a grandfathered plan, but insurers may make changes to the plan at renewal that could impact its status.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"12_Will_my_grandfathered_plan_cover_prescription_drugs\"><\/span>12. Will my grandfathered plan cover prescription drugs?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nGrandfathered plans may cover prescription drugs, but the specific formulary and cost-sharing requirements may vary from plan to plan.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A grandfathered insurance plan is a health insurance policy that existed before the Affordable Care Act (ACA) was signed into law on March 23, 2010. These plans are not required to comply with all provisions of the ACA, and they may have different coverage, benefits, and costs compared to plans that are ACA-compliant. FAQs about &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"What is a grandfathered insurance plan?\" class=\"read-more button\" href=\"https:\/\/namso-gen.co\/blog\/what-is-a-grandfathered-insurance-plan\/#more-169377\">Read more<span class=\"screen-reader-text\">What is a grandfathered insurance plan?<\/span><\/a><\/p>\n","protected":false},"author":41,"featured_media":107420,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[86279],"tags":[],"class_list":["post-169377","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-learn","no-featured-image-padding"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What is a grandfathered insurance plan?<\/title>\n<meta name=\"description\" content=\"A grandfathered insurance plan is a health insurance policy that existed before the Affordable Care Act (ACA) was signed into law on March 23, 2010. 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