As we’ve covered in other blog posts, people who need health insurance coverage today can apply for what’s called “non-grandfathered” health insurance – a plan with an effective date of coverage between March 23, 2010 and January 1, 2014.
If you’re enrolled in one of these plans, or you enroll in one between now and the end of the year, you may (I’m stressing the word may…) need to change that plan at some point in 2014.
- Either the plan doesn’t cover all essential health benefits – Starting in 2014, people on a non-grandfathered plan that does not cover all 10 essential health benefits may need to change their plan… OR…
- The plan doesn’t meet actuarial value requirements – Starting in 2014, all non-grandfathered plans must cover at least 60% of the total average annual costs an insurer expects to incur per customer. If a plan doesn’t cover at least 60% of the actuarial value.
In this map, we show you states where the majority of the insurance companies that we work with will allow you to keep your plan until the end of next year. Please not that this map is not comprehensive, as we only listed states where we sell products from five or more insurance companies AND where all five of the insurers have let us know what they plan to do with non-grandfathered plans.
If you want a custom action plan based on your current insurer, you can check out our new “Action Plan” page.
Find Your Action Plan
If you want to see a large version of the map, click here (2014 carry-over states).