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Will Your Coverage Be Exempt from Obamacare?

You’ve probably read a lot about how the Affordable Care Act is going to change health insurance, but does it all apply to you? If you get your insurance from your employer, there’s a very good chance that you are in a “grandfathered plan,” and that means some of the changes do not affect you — yet. Framers of the Affordable Care Act allowed some health plans to be exempt from some of the law’s rules and protections in the interests of a smooth transition and to allow businesses and individuals to keep current policies without having to make substantial changes.