For consumers, the new year brings changes in the Affordable Care Act ranging from limits on itemized deductions and flexible spending accounts to Medicare-related tax increases and standardized forms that describe benefits in plain English.

In many ways, Connecticut leads the nation in implementing reform, including the establishment of an online health insurance marketplace, expanding Medicaid coverage to low-income adults,  and generating millions of dollars in savings for consumers with coverage issues.

Changes coming in 2013 and 2014 include:

Limits On Itemized Tax Deductions: The rules for itemizing deductions on federal income tax returns have changed. Beginning 2013, taxpayers can claim deductions for medical expenses not covered by health insurance when they reach 10 percent of adjusted gross income, up from 7.5 percent. The law waives the increase for those 65 years and older for tax years 2013 through 2016.

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