"Question: What’s going to change when I switch to my new health plan?

Answer: When you switch to a new, fully-reformed health insurance plan, you might notice changes to your coverage like the following:

• No Annual Coverage Limits: Annual dollar limits on most covered medical services will go away.
• No cost-sharing for some Preventive Services: The Affordable Care Act requires insurance companies to provide certain recommended preventive services without any out-of-pocket cost to you.
• Community Rating: The cost of any given health insurance plan will be the same for all people your age in your community – it may change if you’re a smoker, but it won’t vary based on your other personal health factors.
• Essential Health Benefits: All health plans must cover ten categories of essential health benefits defined by the government.
• Actuarial Values: Plans are now built to cover at least 60% of the average consumer’s expected medical costs during the year. "
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