Policies purchased on or before March 23, 2010 are considered “grandfathered.”

Here’s what that means:

If you have a grandfathered plan and you’re happy with your coverage, you do not need to make changes or use the Health Insurance Marketplace. Grandfathered plans are required to meet some, but not all, of the reforms contained in the Affordable Care Act — which means you may not be subject to increased premiums. There is no need to switch out of your grandfathered plan unless you’re sure it makes the most sense for you.

How long can I keep my grandfathered plan?

If you have a grandfathered plan as an individual (not through an employer) and have not made major changes to your plan, you can keep it indefinitely. If you make major changes to your plan, the plan loses its grandfathered status.

Relax… you’re covered with your grandfathered plan.

Should I change plans?

If you are satisfied with your current health plan, there is no need to change. You spent a lot of time and research choosing your current plan, so it’s likely that it’s the best plan for your needs and budget. You can contact a BlueCross BlueShield of South Carolina representative if you need help deciding on the best option for you and your family.

How do I know if my plan is grandfathered?

If you’re not sure when you purchased your plan, call us at 1-800-832-1845
Ext. 46401, 8:30am - 5:30pm EST, Monday - Friday, and a customer service representative will be happy to help you with any questions and concerns regarding your plan status.