This sort of grandfathering is almost farcical in its doublespeak. Business survives by being able to adapt to changing circumstance; HR3200 mandates that health insurance outside the as-yet non-existent "exchange" not adapt at all. The slightest change and the policy must be brought into conformance with the exchange.
Additionally, no patient can adjust their insurance coverage but by moving into the "exchange". The no change provision applies to individuals as well as businesses.
The nature of life is adapt or die. Congress, in its finite wisdom, has decided there shall be no adaptation of health insurance save what it has blessed--and thus Congress, in its infinite folly, has decided that health insurance should die.