By Susan M. Nash
One of the major selling points of the Affordable Care Act was the idea that if an employer or individual was happy with their current health plan or coverage, they could keep it. Not necessarily. Under the ACA, employer plans and insurance coverage that was in place on March 23, 2010 was excused from many of the health care reform mandates, so-called grandfathering. However, upon closer inspection, there are many circumstances under the ACA where an employer or individual cannot simply keep their current health plan and changes must be made to the plan or policy to comply with a broad range of mandates under the ACA. Keeping your current health plan intact is, in reality, no easy task.