What do most people do each year with their health insurance to keep the cost down? Well, increase your deductible or co-insurance of course. I just got an e-mail from Assurant Health today stating that under the new guidelines, if you have an individual health insurance policy and increase your deductible or co-insurance at all, your plan loses grandfather status and will be subject to all of the new mandates (guaranteed issue for kids, "free" preventative care, unlimited lifetime benefits,etc) which will require higher premiums. So you can either pay higher premiums by keeping your plan the same every year, or you can lose grandfather status and raise your deductible which will increase your premiums anyway.
Removing a maternity rider on any policy currently in force will also cause you to lose grandfather status. Most companies have eliminated maternity riders, which means the rates for people keeping them are going to keep skyrocketing. Screwed again eh....
Removing a maternity rider on any policy currently in force will also cause you to lose grandfather status. Most companies have eliminated maternity riders, which means the rates for people keeping them are going to keep skyrocketing. Screwed again eh....