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Small Business Employee Benefits and HR Blog

Grandfathered Health Plan

A "Grandfathered Health Plan" is defined as a group health plan or health insurance plan that existed on March 23, 2010, when the Patient Protection and Affordable Care Act (PPACA) was enacted.  If a policy-holder enters into a new (not renewed) policy, certificate or contract of insurance after March 23, 2010, then that new policy, certificate or contract of insurance is not a grandfathered health plan.  As long as a plan stays grandfathered, it need not comply with a number of new requirements of PPACA.