Zoom-boing
Platinum Member
- Oct 30, 2008
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Youve probably read a lot about how the Affordable Care Act is going to change health insurance, but does it all apply to you? If you get your insurance from your employer, theres a very good chance that you are in a "grandfathered plan," and that means some of the changes do not affect you yet.
Framers of the Affordable Care Act allowed some health plans to be exempt from some of the laws rules and protections in the interests of a smooth transition and to allow businesses and individuals to keep current policies without having to make substantial changes. More than a third of all Americans who get insurance through their jobs are enrolled in such plans, although that number is expected to decline every year.
Nonetheless, consumers should know the status of their plans since that may determine whether they are eligible for certain protections and benefits created by the health law. For example, an employee at a large company may wonder why his job-based insurance doesn't include the free preventive services he's heard about. Or someone who purchases her own coverage may wonder whether she will be eligible for broader benefits when new insurance marketplaces open next fall. To answer those questions, you must understand the status of your plan and how grandfathering works. Here are the basics:
What is a grandfathered plan?
Most health insurance plans that existed on March 23, 2010 are eligible for grandfathered status and therefore do not have to meet all the requirements of the health care law. But if an insurer or employer makes significant changes to a plans benefits or how much members pay through premiums, copays or deductibles, then the plan loses that status.
The government's regulations spell out how much plans can change the amount paid by workers or employers before losing their status.
Both individual plans, the kind you buy on your own, and group plans, the kind you receive through an employer, can be grandfathered. If you get coverage through an employer, you can join a grandfathered plan even if you werent enrolled on March 23, 2010.
What rules does a grandfathered plan have to follow?
A grandfathered plan has to follow some of the same rules other plans do under the ACA. For example, the plans cannot impose lifetime limits on how much health care coverage people may receive, and they must offer dependent coverage for young adults until age 26 (although until 2014, a grandfathered group plan does not have to offer such coverage if a young adult is eligible for coverage elsewhere). They also cannot retroactively cancel your coverage because of a mistake you made when applying, a practice known as a rescission.
You dumb shit. Stop dodging what happened.
obama repeatedly, over and over and over said 'if you like your plan you can keep your plan. PERIOD'.
Prior to yesterday's lie, go find the links, clips, statements from this asshat where he said 'unless'. Unless your plan does not meet the above, unless your plan increases in cost (DUH, of course they increased in cost over the past three years. Wasn't LOWERING COST part of the reason for this whole pile of shit? Yeah, right.), unless, unless, unless.
HE DIDN'T PUT A CONDITION ON HIS WORDS. HE SAID "IF YOU LIKE YOUR PLAN YOU CAN KEEP YOUR PLAN. PERIOD."
He lied. And you and countless other sheep just keep on spinning.