Under the new health care reform law, grandfathered health plans will be able to make routine changes to their policies and maintain their status. There are however specific changes that would cause these plans to lose their grandfathered status.

Without this federal assistance, Families USA reports health insurance premiums will skyrocket to an average of $1,107 a month for unemployed families.

HHS Secretary Kathleen Sebelius announced this week that $51 million in grant money through the Affordable Care Act is now available to states to strengthen oversight of insurance premiums and rate hikes.