There was a nearly 322% increase in the number of plans utilizing an early renewal strategy on December 1, 2013, which delayed many effects of PPACA until December 1, 2014. Of the employers who postponed their renewal date, 94% were small businesses that employ fewer than 100 employees.
Even though grandmothering was permitted at the federal level, each state had the ultimate power to determine whether or not it would allow the extension. Adding yet another layer of complexity, carriers were not required to allow this extension. In other words, even though the states may have permitted grandmothering, some carriers required employers to transition to PPACA-compliant plans. The grandmothering extension is permitted for policy years beginning on or before October 1, 2016. Expect to see further delays into 2017.