Young Adults on Parents’ Health Plans. Young adults may stay on their parents’ health plans to age 26. This applies to all health plans and does not exclude young adults who are married.

Prohibition on Preexisting Condition Exclusions for Children. Insurers are prohibited from excluding coverage of preexisting conditions for children in the individual market, effective 6 months after enactment; all others are to be phased in.

Prohibition Against Rescissions. Insurance companies are prohibited from rescinding coverage once an enrollee is covered under a plan.

Prohibitions Against Lifetime Benefit Caps. Insurance companies are prohibited from setting lifetime limits on benefits and from setting annual limits on benefits. Annual limits will be banned completely in 2014.

Small Business Tax Credits. Small businesses are eligible for new tax credits to offset their premium costs in 2010.

National High-Risk Pool. People with preexisting conditions will be eligible for subsidized coverage through a national high-risk pool, beginning June 2010.

State Option to Expand Medicaid Eligibility. States are given the option to cover parents and childless adults up to 133 percent of poverty and receive current federal matching contributions.

Limits on Share of Private Premiums Insurers Spend on Non-Medical Costs. New limits will be set for the percent of premiums that insurers can spend on nonmedical costs. Beginning in 2010, health plans are required to report the proportion of premiums spent on items other than medical care. Insurers that spend less than 80 percent on medical care will be required to offer rebates to enrollees.

Annual Review of Premium Increases. In 2010, effective immediately, the HHS secretary and states will establish a process for an annual review of unreasonable premium increases. The information will be required to be posted on insurers’ websites.

Rebates for Medicare Part D Enrollees in “Doughnut Hole.” In 2010, Medicare beneficiaries who reach the coverage gap—doughnut hole—in prescription drug coverage ($2,830) are eligible to receive $250 rebates. The coverage gap is phased out completely by 2020.

Elimination of Cost-Sharing for Preventive Care in Medicare and Private Plans. Preventive care will be strengthened in both traditional Medicare and private plans. In 2010, cost-sharing for proven preventive care services is eliminated in both Medicare and private plans. Medicare beneficiaries will receive an annual wellness visit with no copayment beginning in 2011.

(Available at www.kff.org/healthreform/8060.cfm)