General Discussion
In reply to the discussion: This message was self-deleted by its author [View all]thesquanderer
(12,877 posts)As I understand it, for individual insurance purchasers (which it sounds like you are), grandfathering allows--but does not require--you to stay with a pre-ACA plan that you already have, if you like it better than getting a new ACA plan. Most people are probably better off with an ACA plan, but grandfathering is there for the rare exception, or for people who are just scared by the idea of changing to something new. I think you should definitely check into the ACA plans in your state right away and see what your options really are.
Obamacare is not forcing your old insurance company to deny you anything... they would have denied you the same thing before Obamacare existed. After all, grandfather means it's the same plan it was before Obamacare. But at least in theory, Obamacare gives you new, better options that you didn't have before. It's worth trying to find them.