In November 2010, HHS modified the regulation to provide even further flexibility for larger companies, even allowing them to change insurance providers without losing grandfathered status, despite already giving them favorable treatment. According to the HHS fact-check:
Previously, one of the ways an employer group health plan could lose its grandfather status was if the employer changed issuers switching from one insurance company to another. The original regulation only allowed self-funded plans to change third-party administrators without necessarily losing their grandfathered plan status. Todays amendment allows all group health plans to switch insurance companies and shop for the same coverage at a lower cost while maintaining their grandfathered status, so long as the structure of the coverage doesnt violate one of the other rules for maintaining grandfathered plan status.
By comparison, HHS regulations for individual insurance coverage ensured that relatively minor changes to these plans for example, an increase in the deductible above a certain amount would result in these plans losing grandfathered status. Whereas the regulations allowed businesses to swap out one insurance carrier for another, buyers in the individual insurance market could not even change plans with the same carrier without losing protected status. (my comment: obama KNEW since 2010 that individual plans would be cancelled by the millions and yet he continuously, CONTINUOUSLY, went out and lied, saying "if you like your plan you can keep your plan. Period".)
During a White House meeting with President Obama in February 2010, then-House Minority Whip Eric Cantor challenged the President directly about his repeated claims that Americans would be able to keep their existing insurance plans if they desired. The Presidents response was that they were not being forced to change, but that they would do so voluntarily in order to get a better deal. (my comment: obama never bothered answering Cantor, instead he blathered on with the shit of 'people would voluntarily switch out their individual plans for something on the exchange'. obama never bothered answering the fact that due to changes made to the grandfathering clause, individuals would lose the ability to keep the plan they liked. Period.)
The eight to nine million Americans that you refer that might have to change their health insurancekeep in mind out of the 300 million Americans that were talking aboutwould be folks who the CBOthe Congressional Budget Officeestimates would find the deal in the exchange better, would be a better deal, Obama said in response to a question from Cantor. So yes, they would change coverage because theyve got more choice and competition.
Only four months later, President Obamas administration would release the regulations, ensuring that most of the seventeen million people with individual coverage would lose their plans, whether they liked them or not. (my comment: obama has lied from nearly the beginning on being able to keep your plan if you liked it. They re-wrote the regulations that determined what was required to keep the plan as is or what would cancel it. HHS arbitrarily changed the law? I thought only congress could change a law?)
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