This information was available to news media and policy holders since March 2010.
But, because of laziness or whatever, they chose to ignore it.
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https://www.healthcare.gov/what-if-i-have-a-grandfathered-health-plan/
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What grandfathered plans do and don't have to cover
Here's a quick look at the consumer protections that do and don't apply to grandfathered plans:
All health plans must:
End lifetime limits on coverage
End arbitrary cancellations of health coverage
Cover adult children up to age 26
Provide a Summary of Benefits and Coverage (SBC), a short, easy-to-understand summary of what a plan covers and costs
Hold insurance companies accountable to spend your premiums on health care, not administrative costs and bonuses
Grandfathered plans DON'T have to:
Cover preventive care for free
Guarantee your right to appeal
Protect your choice of doctors and access to emergency care
Be held accountable through Rate Review for excessive premium increases
In addition to the above, grandfathered individual health insurance plans (the kind you buy yourself, not the kind you get from an employer) don't have to:
End yearly limits on coverage
Cover you if you have a pre-existing health condition
Note: Some grandfathered plans offer protections they're not required to. Check with your insurance company or benefits administrator to learn if your grandfathered plan offers the rights and protections listed above
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So, in reality, everyone could keep their existing plans if they had the plan previous to March 23rd, 2010, but the law specifically stated that "You may not get some rights and protections that other plans offer."
Folks, it was in writing.
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