Grandfathered Health Plan Rules Forbid Big Copayment Increases

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Health insurance plans that existed on March 23 will not be able to significantly raise copayments or deductibles, or significantly reduce benefits, without having to meet all the new requirements of the health care reform law under proposed and interim final regulations (REG-118412-10, T.D. 9489) jointly issued by IRS, EBSA, and the Office of Consumer Information and Insurance Oversight in HHS. Grandfathered plans, which are plans that existed on March 23 when the Patient Protection and Affordable Care Act was enacted, will be able to make “routine” changes while remaining exempt from some of the provisions in the new health care reform law, HHS Secretary Sebelius says.