We have recently received new information on how Individual Health Insurance policies will be changing under the Affordable Care Act. If you have a Grandfathered Policy, you will still be able to keep that plan, without making any changes. If you have purchased a policy since 3-23-2010, or have made policy changes since that time, however, your policy will be changing. Several carriers have made announcements on how they will handle the transition. Some carriers will require the policyholder to take action before the end of the year, in order to keep their policy through 2014. Other carriers will automatically transition those members, so that they can keep their current policy through 2014. While some people will receive a subsidy, and may be better off changing to a new Affordable Care Act plan on the Exchange for 2014, there are many people who will not receive a subsidy, and may have substantially higher premiums in 2014, if they don’t take an action. It is very important for you to review your options now, so that you are as prepared as possible for the coming changes. Just call 877-740-8683, or visit www.freedomfreequote.com , to request a review of your current policy.