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Grandfathered Plans and Spouse/dependents


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If an employer wishes to have its health plan remain grandfathered and if the employer has been paying 100% of employee premiums and 50% of spouse/dependent premiums, would they lose grandfathered status by reducing the spouse/dependent employer payment to 25% or 0% even if the employer keeps paying 100% of employee premiums? In other words, does the grandfathering issue pertain only to how the employer pays for employee coverage in addition to other factors or might changes to spouse/dependent premium payments by the employer also impact the grandfathered status?

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If an employer wishes to have its health plan remain grandfathered and if the employer has been paying 100% of employee premiums and 50% of spouse/dependent premiums, would they lose grandfathered status by reducing the spouse/dependent employer payment to 25% or 0% even if the employer keeps paying 100% of employee premiums? In other words, does the grandfathering issue pertain only to how the employer pays for employee coverage in addition to other factors or might changes to spouse/dependent premium payments by the employer also impact the grandfathered status?

Changes to spouse/dependent premium payments by the ER might impact the grandfathered status. 29 CFR § 2590.715–1251(g)(4), Example 7

John Simmons

johnsimmonslaw@gmail.com

Note to Readers: For you, I'm a stranger posting on a bulletin board. Posts here should not be given the same weight as personalized advice from a professional who knows or can learn all the facts of your situation.

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