Skip to main content

An official website of the United States government

Here's how you know

Grandfathered health plan

An individual health insurance policy purchased on or before March 23, 2010. These plans werenโ€™t sold through the Marketplace, but by insurance companies, agents, or brokers. They may not include some rights and protections provided under the Affordable Care Act.
Plans may lose โ€œgrandfatheredโ€ status if they make certain significant changes that reduce benefits or increase costs to consumers. A health plan must disclose whether it considers itself a grandfathered plan. (Note: If youโ€™re in a group health plan, the date you joined may not reflect the date the plan was created. New employees and family members may be added to existing grandfathered group plans after March 23, 2010).

Related Content

You are leaving

You're about to connect to a third-party site. Select Continue to proceed or Cancel to stay on this site.

Learn more about links to third-party sites - null