The recently developed "Affordable Care Act" has created a number of changes in health care including a recent change in how old you can be to remain covered under your parent's plan. In the past, the age limit was 19 unless the child could show verification that they were a full-time student. Now, most health plans must make coverage available to children up-to the age 26 – student or not. This is just one of many changes in the works, but so far, a beneficial measure to those students graduating with heavy debt from loans.

Another relief is the suggested list of Vaccines or Preventative services that have been recommended to be covered. This means that families can receive a number of preventative care vaccines or services without any out-of-pocket expense to them or their employer. You can check the CDC website for a complete list of immunizations as recommended for adults and children in 2011. A list of recommended Preventative Services can be found on the HealthCare.gov website.

As the new Benefit Election cycle comes around this fall, be sure to note any specific changes that your provider covers or not. In some cases, there a few exemptions regarding coverage for some providers. If they're not offering a particular service or vaccine mentioned above, then it's likely you'll soon see it included, so be alert and compare your elections to your families needs so you can stay healthy and save!