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Do the annual limit rules apply to grandfathered health plans?

Grandfathered individual health insurance policies are not required to follow the annual limit rules in the Patient Protection and Affordable Care Act (PPACA). Grandfathered plans are health plans that were in existence on March 23, 2010, and haven’t been changed in ways that substantially cut benefits or increase costs for plan holders. If you are unsure if your plan is a grandfathered policy, talk to your benefits administrator or call the customer service number on your insurance ID card. 

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Important: This content reflects information from various individuals and organizations and may offer alternative or opposing points of view. It should not be used for medical advice, diagnosis or treatment. As always, you should consult with your healthcare provider about your specific health needs.