What changes can be made to a grandfathered plan that will not cause it to lose its grandfathered status?
The following events will NOT cause a plan to lose its grandfathered status: • Changes to premiums, as long as the overall percentage contributed by the employer remains the same or higher than what was in effect on March 23, 2010 • Changes made to comply with federal or state legal requirements • Changes made voluntarily to comply with the Affordable Care Act (ACA) • Changes made voluntarily to increase benefits • Changing third party administrators • Adding family members to existing coverage • Adding new employees (whether newly hired or newly enrolled) and their families to existing plan • Employees switching from one grandfathered plan option to another grandfathered plan option offered by the employer (for example, from HMO to PPO) • An individual or group changing carriers
