I recently took a new job in which I am a contractor and not eligible for health insurance. I am 23 and applied to be covered under my parents policy with Blue Shield of CA (which is not through employer-based coverage but rather an individual policy they purchased). Their policy was grandfathered in as a result of the affordable care act. When I first applied, I was told it would be free to add me to their policy and after a lengthy application process, I was approved. I am now being told that I will have to pay almost $200 a month. I've referred to this website: http://www.healthcare.gov/law/features/choices/young-adult-coverage/index.html and what I'm gathering is that they are going to deny me free coverage because the plan is grandfathered. What I'm wondering is if the clause "Until 2014, “grandfathered” group plans do not have to offer dependent coverage up to age 26 if a young adult is eligible for group coverage outside their parent’s plan." Will help me because I am not eligible for group coverage outside my parents plan. Or if because I was told it would be free (and it has been free before for me to be on their plan) there is any way for me to fight this.