I have an individual health insurance plan through United Healthcare that I purchased in 2007. I am currently being charged more than $300 a month than the base rate for this plan because of the tier rating based on answers to my medical questions on my original application in 2007. Is it legal for UHC to charge this higher amount? I don’t believe it was ever disclosed to me in my plan materials that this was a “Grandfather Plan.” I just heard this information when I tried to increase my deductible on 1/15 and was told about the tier rating.
That is why the ACA did away with the old rules, so folks like you wouldn't get stuck in this loophole. We highly suggest using HealthCare.Gov to find a cheaper option. Depending upon your income you may qualify for subsidies. Shop before Feb 15th, but don't cancel your plan until you find a better one.