“To Grandmother or Not to Grandmother…That is the Question!”

Now that SB 1446, “Grandmothering” bill has been signed, it allows small employers (50 or fewer employees) with non-grandfathered health insurance policies in effect as of December 31, 2013, the option to renew their existing coverage for one year, rather than be required to move to 2014 ACA compliant plans.


Did you know that not all carriers are responding to “Grandmothering” the same way? Should you “Grandmother” your small group’s plan options, or are 2014 ACA plans lower in premium and a better fit for your group?   You can count on your MNJ Insurance Solutions Sales Team to inform you of the new law, compliance updates, how your client’s current carrier is or is not acknowledging “Grandmothering,” along with developing the right sales strategy for your company.


In order to prepare an analysis, we will need the following:

  1. Company Name, Company zip code, and SIC code,
  2. Census (include employee name, spouse’s name, children up to age 26 name, date of birth for covered members, and home zip codes),
  3. Copy of current plan design, current RAF (Risk Adjustment Factor), and rates, and
  4. Copy of renewal, renewal RAF and rates.


We are here to help explore these options with you, as we want to earn your business!


Do Not Delay…to Request a Quote Analysis or to learn more about MNJ Insurance Solutions Value-Added benefits, please contact us at (714) 716-4303.