Unlike self-insured, fully-insured employers must decide old vs. new with their current plans

Well the regulations are finally out on the "grandfather plans". Large corporations who are self insured can continue their current plan designs without any fear of CHANGE. They can change administrator, reinsurers, and other vendor they choose. So to be self insured under the Affordable Care Act on March 23, 2010 is where all large corporations should have been to have the greatest flexibility of choice. Just keep your present benefit design, modify the plan document and negotiate, negotiate, and negotiate with every vendor to lower cost or change them.
The large corporations who are fully insured are not so fortunate. The modifications of the plan, to keep in compliance with the Affordable Care Act will create increase in the premium with very little negotiating power, flexibility or choice. They are at the mercy of the insurance carrier, only able to negotiate premium. If they elect to change to another carrier, this automatically makes them lose the grandfather status. Fully -insured companies must decide to stay or not stay with their current plan. The renewal rate of the current plan vs. the new rate of the new plan will tell the story. This also applies to midsize and small companies as well.