Most of the really big changes—including health-insurance exchanges and tax credits to help people buy coverage—aren’t coming into play until 2014. Still, the provisions going into effect in 2013, along with those that have already been introduced, can affect any changes you might want to make to your health coverage.

Next year will see some of the many significant changes brought on by the Affordable Care Act, including easy-to-read plan summaries and caps on

flexible spending accounts. The ability of health insurers to place limits on annual spending is also on its way out, while earlier reforms such as adding adult children to their parents’ plans offer new options to consumers.

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