 [ Symptoms ] i have what my husband said is a mole on my back it is gray in color and covered wit a hard dry skin [ Disease ] older policies that were in place before the aca became law have to comply with many new regulations but not all these are called grandfathered health plans but if by advantage plans you are referring to medicare advantage understand that is a separate issue the aca primarily makes changes to private health insurance for people under the age of 65 not to medicare