Hi Steph C,

I am grandfathered under my individual policy as long as I make NO change whatsoever. Any change of any kind terminates your grandfathered eligibility. A grandfathered policy is also NOT subject to the rules of ObamaCare. In other words, if you have a lifetime limit, it still exits under a grandfathered policy. Any of the mandatory provisions under the PPACA, like maternity coverge, etc. does NOT apply to grandfathered policies. A grandfathered policy must not be changed in any manner. If you had certain coverages under your grandfathered policy, you may not ADD nor Subtract any coverage, including items that are now mandatory coverage items of the PPACA. Grandfathered policies are not allowed to make any changes, even ones that are now required under the law. Grandfathered policies are EXEMPT from the new mandates of covered items. About the only thing that is allowed to change on a grandfathered policy is the cost for it.