Are you wondering about how you can make the best decision on grandfathering your health plan?

The interim regulations on grandfathered plans under the Patient Protection and Affordable Care Act (PPACA) are designed to allow employers to keep their current plans and at the same time ensure that employees are protected from significant loss of benefits or increased costs. Federal guidance, effective September 23, 2010, attempts to lay down the rules for employers who want to retain grandfathered status.

These restrictions pose a serious challenge to employers who wish to keep their plans under the grandfathering clause. With calendar-year plan renewal season in full swing, many employers are anxious to make decisions. However, various factors — especially a company’s location — make a one-size-fits-all solution for employers unrealistic and impracticable.


  • Advantages of grandfathering
  • Disparity between states
  • Making good health insurance choices
  • Communicating grandfathering status to employees

This white paper addresses advantages and disadvantages of grandfathered status as a variety of experts share insight about key employer concerns,
financial options and seeking guidance.

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