That's a reading and interpretation matter.
Purchasing insurance at the beginning of 2013 thinking it could be protected under the Grandfather clause of a law signed in 2010 is evidence of an uneducated consumer.
The insurers who sold those plans knew the day they took those consumers money those plans were going to have to be changed and didn't qualify to be grandfathered under the clause.
Are the Insurance Salesmen supposed to read to those consumers their declaration page? What happen to person responsibility?
The issue is, the grand fathering guaranteed you would lose your policy in favor of what Barack Obama and the Democrats think you need.
That is the point, Barack Obama and Nancy Pelosi decided what you needed, not yourself.
By the way, does a 70 year old man need maternity benefits?
A minor change in your current policy removes the grandfather clause. This was intended to create a cross subsidy scheme, a racket in which you pay insurance for others (except in the case of smokers).
How about if Barack Obama and Nancy Pelosi decided your current car in which you hardly use wasn't safe enough and for the sake of safety you must buy a Mercedes-Benz and at a price to subsidize other drivers who drive everyday?