The new year will bring important changes to U.S. health-insurance rules, as new provisions related to last year's massive health-care overhaul take effect. The new year will bring important changes to U.S. health-insurance rules, as new provisions related to last year's massive health-care overhaul take effect.
*A provision that limits what health insurers can do with the money their customers send in as premiums. The rule requires that insurers spend at least 80 percent of this money on the customers themselves.