it sounds like you and your family are covered by a "grandfathered" health plan. these are plans that were in place prior to the affordable care act becoming law in march 2010. grandfathered plans lose their status when they make significant changes to their benefits or charge considerably more for things like co-pays co-insurance and deductibles. it's expected that in the next few years most employer-sponsored plans will lose their grandfathered status which means they will have to comply to all parts of the law including providing preventive services with no cost-sharing.
our family has had my health insurance through my husband's employer for several years. . because it existed before 2010 our policy does not cover checkups and well-visits. will these eventually be covered even under policies existing pre-2010?