Protecting Patients’ Rights in All Plans

All health plans – whether or not they are grandfathered plans – must provide certain benefits to their customers for plan years starting on or after September 23, 2010 including:

• No lifetime limits on coverage for all plans;
• No rescissions of coverage when people get sick and have previously made an unintentional mistake on their application;
• Extension of parents’ coverage to young adults under 26 years old; and the

For the vast majority of Americans who get their health insurance through employers, additional benefits will be offered, irrespective of whether their plan is grandfathered, including:

• No coverage exclusions for children with pre-existing conditions; and
• No “restricted” annual limits (e.g., annual dollar-amount limits on coverage below standards to be set in future regulations).