In theory, grandfathered plans are a great benefit of the Affordable Care Act (ACA). The premise is simple: If the health plan was in place before March 23, 2010, these plans were still able to offer the same coverage after the ACA was signed into law. But, in our client Michaela’s case, her grandfathered plan covered most of her needs… at a really high cost. And that wasn’t the only problem.

Since grandfathered plans never had to conform to services put in place by the ACA, Michaela also wasn’t receiving the benefits of free preventative care. When we considered her unique healthcare needs, we found that she could have lower out-of-pocket costs and still pay less than her grandfathered plan. Plus, her upcoming procedures would also be covered at a better rate.

Needless to say, choosing this alternative plan was a no-brainer once she saw the cost and benefits compared side-by-side. The best part? She was able to sign up and use her plan the next month for her scheduled surgery. Sometimes, there really are happy endings in health insurance.

If you’re on a grandfathered plan, compare your basic benefits and monthly premium to newer plans. More often than not, the newer plans are better because their coverage is more extensive and the monthly premium cost is lower. The last thing you want to do is settle with a plan that’s not meeting all of your needs just because you don’t want to deal with the hassle of finding a new plan. That’s money left on the table.



  • Grandfathered plan covered most of her needs, but was too expensive


  • Compared grandfathered plan to other available plans to see if a newer plan would be less costly


Knowledge really is power. Michaela is just one of many examples of how being informed of all of the available health plans can empower anyone to choose a plan that’s right for them and their wallet.

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