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Employers will be able to change insurers and still keep health care plans that are similar to what they have had without having to meet all the new requirements of the health care reform law under proposed and interim final rules (REG-118412-10, T.D. 9506). The rules are issued by IRS, EBSA, and HHS. In June, the agencies issued a “grandfather” interim final rule that sharply limited benefit reductions or consumer cost increases that can be made to plans that existed before enactment of the Patient Protection and Affordable Care Act in order to be exempt from many of the law's new requirements.
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