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Covered California Q&A

Covered California and Obamacare related questions from consumers, employers and agents are answered by Phil Daigle with the best information available at the time. Archived entries may no longer be accurate as the Covered California and Obamacare knowledge-base is evolving quickly. TO REQUEST A PERSONAL RESPONSE INCLUDE EMAIL ADDRESS.

Grandfathered Plans

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Question: Even though my high deductible plan is grandfathered, can my insurance company decide to stop carring this type plan or are they required to keep these plans in force for their grandfathered clients?

Answer: Yes. The health plan issuer can decide to stop offering any grandfathered plan at any time.

Background: The Affordable Care Act allows healthcare plans that were in existence on or prior to March 23, 2010, to remain generally the same by “grandfathering” the healthcare option. This option is available for all plans in existence on March 23, 2010, that have continuously covered someone since that date, and have not taken any restricted actions under the regulations. The major benefit to grandfathering a health plan is that grandfathered plans have the ability to avoid several mandates and thus avoid the increases in healthcare costs associated with those mandates.

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