The Affordable Care Act, aka Obamacare, included a number of changes designed to improve insurance for consumers.

Here’s a refresher on some of the provisions most likely to affect you:

— Young adults up to age 26 can remain on their parents’ health plan.

— Insurers can’t deny coverage to people with pre-existing health conditions, or charge them more.

— Insurers can’t cap how much they’ll spend on you over your lifetime, and there are limits if they want to cap how much they spend on you each year.

— Insurers can’t cancel your coverage willy nilly. Unless you defraud them.

— States are required to review “unreasonable” insurance premium increases.

— Prescription drug discounts are available for seniors on Medicare.

— All new plans must cover certain preventive health services, such as mammograms and colonoscopies, without charging a deductible, co-pay or co-insurance.

— Insurers must spend at least 80 cents out of every premium dollar on your benefits and improving your care, rather than on corporate jets, plush offices and other overhead costs/profits.

— Your plan must cover mental health and substance abuse treatment much the same way it covers medical care, like surgery.

Jackie Farwell

I'm the health editor for the Bangor Daily News, a Bangor native, a UMaine grad, and a weekend crossword warrior. I never get sick of writing about Maine people, geeking out over health care data, and...