The Patient Protection and Affordable Care Act requires health plans provide certain benefits but a "grandfather" provision preserves employer-sponsored health plans that existed on or before March 23, 2010, and excludes them from having to make significant changes.

As a result, tens of millions of Americans with health coverage through large employers should see no major changes to their plans. That said, grandfather status is intended to give plans some flexibility to make "normal" changes.

Here's a look at some of the finer details, with answers to seven questions to help HR managers determine their plan's status. 

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