Despite the claim that current health care plans are “grandfathered” in under PPACA, if an individual’s current insurance company makes changes to its plan (such as including more people other than dependents or employees), it would trigger the mandate to have a government approved plan.

Under PPACA “grandfathered” plans would still be required to comply with certain reforms, and individuals who choose to enroll in these plans would not be able to use tax credits, essentially allowing these plans to wither on the vine. Six months after passage, the reconciliation bill would require “grandfathered” individual and small group plans to do the following:

- Prohibit practices such as the rescission of insurance, excessive waiting periods, and lifetime limits.
- Requires “young adults” be allowed to stay on their parents’ insurance plan until age 26.

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