It is advisable for people if they get acquainted with all the facts before renewing their old insurance plan, as under the new health reform law certain changes have been made in getting health coverage.

On getting nod to the Affordable Care Act, the insurance exchanges will start offering health plans to everyone in 2014. But till that time, insurance Companies have to mend some of their unfair practices, which the insurer must watch out for.

The health plan provided afresh by the employer for preventive services such as blood pressure screenings, mammograms, cholesterol checks, and vaccines are free from copays or deductibles. There are more than 50 free services in the list.

Talking about the coverage for adult children, all the plans including the old ones must provide coverage to young adults up to age 26 under their parents' plans, even if they are not categorized as dependents. But, the same provisions are not provided under Medicare.

But, premiums will face an increase of 9% for 2011. In the bigger firms, the employees will have to pool annual premium worth $2,209, on an average.

There will be no lifetime caps on the coverage on the renewal of plans for 2011, no matter if you have an old coverage. As for now, the annual coverage limits have been increased to $750,000, which will surge to $1.25 million in 2011 and would vanish in 2014.

New health care reform will offer more transparency through Government website www. healthcare. gov, where one can compare individual and family health plans. Also, there will be additional incentives offered by some employers for keeping well.