How Does the ACA Impact You?

Because of the Affordable Care Act (ACA), all Americans are now required to have health insurance. Individuals and families can purchase health insurance during the annual Open Enrollment Period (OEP). OEP for 2017 plans will begin next fall.

Can You Keep Your Existing Plan?

Individuals and Families

Grandfathered Plans

If you purchased your policy on or before March 23, 2010 and have not made major changes to your coverage, you can keep your plan. If you wish to compare your grandfathered plan with an ACA plan or see if you’re eligible for financial assistance, use our Get a Quote tool.

Non-Grandfathered Plans

There are two types of non-grandfathered plans:

  • Interim plans were purchased between April 1, 2010 and September 15, 2010.
  • Trust plans were purchased between October 1, 2010 and December 15, 2013.

If you have an Interim or Trust plan, you can keep it until your renewal date in 2017.

Small Groups (50 or Fewer Employees)

If you currently insure your employees with a BlueCross plan, you can keep the coverage you have. If the coverage you offer your employees is considered affordable under the health care reform law and meets the minimum value set by the law, then your employees will not be eligible for financial help (savings on your premium or out-of-pocket costs) if they buy their own coverage from the Marketplace. Small-business owners can fall into the grandfathered or non-grandfathered segments.

Grandfathered Plans

If you have a grandfathered small-business plan and you’re happy with your coverage, you do not need to make changes or use the Health Insurance Marketplace. There is no need to change from your grandfathered plan unless you’re sure it makes the most sense for you and your employees.

Non-Grandfathered Plans

If you have a non-grandfathered plan, you can keep your plan until your renewal date after October 1, 2016. We can help you find ways to continue to offer your employees BlueCross coverage. Call 800-868-2500, ext. 41010, 8:30 a.m. – 5:30 p.m. EST, Monday – Friday.