The federal government has finalized the specific changes employers are allowed to make to their insurance plans to still remain “grandfathered” and exempt from ObamaCare’s new restrictions. Accordingly, the Internal Revenue Service, Department of Health and Human Services, and Department of Labor estimate that 51% of all employers will lose their “grandfathered” status because of small changes they make to their health insurance plans and be subject to the full force of ObamaCare’s coverage restrictions by 2013.