How do I know if my insurance plan is grandfathered?

If you have an individual policy and have had it since March 23, 2010 or earlier, your policy may be grandfathered. If you are in an employment-related group health plan that existed on March 23, 2010, your plan may be “grandfathered,” even if you enrolled in it after that date.

To find out if your health plan is grandfathered:

• Check your plan’s materials. Health plans must disclose their grandfathered status in plan materials distributed to subscribers. These materials must include contact information for questions and complaints.
   
• Check with your employer or your health plan’s benefits administrator. If you are in a group health plan, the date you joined may not reflect the date the plan was created.  New employees and new family members may be added to a grandfathered group plan after March 23, 2010. Your employer or benefits administrator will be able to tell you whether your plan is grandfathered.

Last Reviewed: 01/20/2012

• If my insurance plan is grandfathered, what does this mean for me?
• How could my health plan lose its grandfathered status?

• Affordable Care Act
• Insurance Coverage