Any policy that increases co-payments, deductibles or co-insurance forfeits its grandfathered status.

If employers or individual plans want to keep grandfathered status, they will have little leeway to pass higher costs along to policyholders.

So do plans that decrease the percentage employers contribute toward premiums, and employers can't switch insurance carriers without jeopardizing grandfathered status either.

New plans or those that lose grandfathered status must cover preventive services such as mammograms and colonoscopies at no additional cost to patients.