The following actions would result in loss of grandfathered status: Change in insurance carrier, policy, certificate or contact, if the change occurred between September 23, 2010 and November 16, 2010 as long as the benefits provided by the new carrier continue to satisfy grandfathering requirements; Elimination of all benefits to diagnose or treat a particular condition; Any increase in coinsurance; Increase in deductibles or copayments subject to the cost-adjustment test established by the reform law; A decrease in employer contribution of more than 5 percent.