If your health insurance policy is not grandfathered but was in effect prior to 2014, your plan is considered a transitional health plan or “grandmothered policy.” These plans are not fully ACA-compliant, and were purchased between March 23, 2010 – when the ACA was signed into law – and the end of 2013. This page offers a detailed overview of how grandmothered/transitional health plans are regulated and the specific rules that apply in each state. Transitional health plans can remain in force indefinitely if states and insurers allow it Transitional health plans were initially slated to end in 2014. But extensions have been granted by the federal government every year, allowing these plans to remain in force if the state agrees and if the insurer still wants to renew the plans. The latest extension allows transitional health plans to renew indefinitely, until if and when HHS decides otherwise (or until a state or insurer opts to terminate them). Transitional individual/family health plans still exist in 29 states. (In the remaining states, these plans were either required to terminate or insurers voluntarily terminated them and replaced them with ACA-compliant coverage.) Carefully consider the new plans available to you before you decide to renew your transitional plan If your insurer offers to renew your grandmothered/transitional plan for 2023, you have the option to keep your plan for another year. But it’s definitely in your best interest to carefully compare your plan with the new options that are available in the ACA-compliant market for 2023. You might find that you’re eligible for premium subsidies, even if that wasn’t the case in the past. This is particularly true if you were previously limited by the “subsidy cliff,” as that has been eliminated through at least the end of 2025. And the ACA-compliant plans available now are likely to provide more robust coverage – including all of the essential health benefits – than the plan you purchased prior to 2014.