What Health Insurance Plans Are Grandfathered? 
Health Insurance plans issued prior to March 26 , 2010 are Grandfathered , unless discontinued by the carrier . In most cases , plans issued after 3/26/2010 and before 12/31/2013 are being discontinued . Plans issued after 01/01/2014 are required to comply with ACA/Obamacare regulations . The Open Enrollment Period for a January 1 , 2015 effective date ends on December 15th . Late enrollments may be submitted until February 15 , 2015 with coverage beginning the 1st of the following month . 