Employers are now able to change insurers and still maintain grandfathered status, according to new rules issued November 15, 2010 by the IRS, DOL and HHS.

The Obama administration predicted that hundreds of thousands of people would enroll in the Pre-existing Conditions Insurance Plan (PCIP), but the actual enrollment only totaled 8,011 as reported November 5, 2010. As a result, the Department of Health and Human Services (HHS) announced the federally-administered PCIP program will expand the one option offered in 2010 to three options in 2011: the Standard Plan, the Extended Plan and the Health Savings Account eligible plan. In addition, families will be able to enroll their eligible children age 0-18 in PCIP at child-only rates.

There is no question that the outcome of tomorrow’s election will have a significant impact on our nation. Furthermore, health reform seems to be at the forefront of the political debate.