> Not all plans fall under this regulation. No, but it's a small number. Approximately 13% of people with employer-provided plans have grandfathered plans[0].

> Not all plans fall under this regulation. No, but it's a small number. Approximately 13% of people with employer-provided plans have grandfathered plans[0]. That number is also steadily decreasing over time. That's specifically looking at people who get their insurance through their own employer, so the denominator doesn't include, for example, people on Medicare or Medicaid. The 80% claims rule doesn't apply to every individual plan, but it's widespread enough that it drives the overall structure of how insurance companies operate these days. They're not optimizing their organizational workflow for plans which comprise a tiny - and shrinking - fraction of their revenue. [0] https://www.kff.org/report-section/ehbs-2019-section-13-grandfathered-health-plans/ https://www.kff.org/report-section/ehbs-2019-section-13-gran...