I wish people wouldn't be so rude to those who lose out under the ACA.

[The Wielding Truth]

196. All policies have to provide certain benefits to be sold in the ACA national exchange.

Your insurance company must have decided to change your policy to make money by selling on the exchange. Once any change happens on your policy that one must close and you must open another. It is the Company and not ACA that is not letting you keep you current policy that you say you value so much.

https://www.healthcare.gov/how-does-the-health-care-law-protect-me/
How the health care law protects you

Creates the Health Insurance Marketplace, a new way for individuals, families, and small businesses to get health coverage

Requires insurance companies to cover people with pre-existing health conditions

Helps you understand the coverage you’re getting

Holds insurance companies accountable for rate increases

Makes it illegal for health insurance companies to arbitrarily cancel your health insurance just because you get sick

Protects your choice of doctors

Covers young adults under 26

Provides free preventive care

Ends lifetime and yearly dollar limits on coverage of essential health benefits

Guarantees your right to appeal

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.