Health · Chapter 15 · Statutes
Grandfathered Plan
Definition
A plan unchanged since March 23, 2010 (pre-ACA). Exempt from covering free preventive care, essential health benefits, and individual-market pre-existing conditions — but it can't significantly increase cost-sharing (any coinsurance hike, or copay/deductible hikes beyond medical inflation + 15 points) without losing status, and can never impose lifetime dollar limits.
Easy to confuse with
These are what this term gets tested against — if you can't tell them apart cold, drill the contrast.
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