Why is the State Health Plan grandfathered under the Patient Protection and Affordable Care Act?
A. When 2011 plan provisions were approved in August 2010, the full impact of the Patient Protection and Affordable Care Act (the Affordable Care Act) on group health plans had not been determined. EIP believes the plans it offers are “grandfathered health plans” under the Affordable Care Act. As a grandfathered plan, EIP will be able to avoid an increase in State Health Plan premiums and minimize the increase in HMO premiums while it assesses the future financial impact of the act. As permitted by the Affordable Care Act, a grandfathered health plan can preserve certain basic health coverage that was already in effect when the law was enacted. Being a grandfathered health plan means that the plan may not include certain consumer protections of the Affordable Care Act that apply to other plans, for example, the requirement for the provision of preventive health services without any cost sharing. However, grandfathered health plans must comply with certain other consumer protections in
Related Questions
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- What provisions of the Patient Protection and Affordable Care Act apply to all plans –even those that are grandfathered?
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