Effective January 1, 2014, a covered carrier may establish up to four separate classes of business:
(1) one class of business for individual health benefit plans that are not grandfathered under PPACA;
(2) one class of business for small employer health benefit plans that are not grandfathered under PPACA;
(3) one class of business for individual health benefit plans that are grandfathered under PPACA; and
(4) one class of business for small employer health benefit plans that are grandfathered under PPACA.