For policies in effect on or before March 23, 2010, which of the following changes would cause a health care plan to lose its grandfathered status?
Answer:
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A) Adding new benefits
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B) Lowering employer contribution by 10%
Correct!
Grandfathered health plans can make routine changes including:
- cost adjustments to keep pace with medical inflation;
- adding new benefits;
- making modest adjustments to existing benefits;
- voluntarily adopting new consumer protections under the new law; or
- making changes to comply with State or other Federal laws.
Furthermore, premium changes are not taken into account when determining whether or not a plan is grandfathered. However, decreasing or lowering the percent of premiums the employer pays by more than 5 percentage points and increasing (vs. decreasing in the choices above) co-insurance charges are changes that would cause a plan to lose its grandfathered status.
C) Increasing premiums
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D) Decreasing co-insurance charges
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E) Voluntarily adopting new consumer protections
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