The New Year and How It May Affect Your Benefits: The beginning of 2017 signals a new plan year for some insurance plans. For individuals with these plans, this means that any changes made to health plans and new deductibles will take effect January 1, 2017. It will be important to keep these changes in mind when you or your family seek out health care. You should also be on the lookout for things like changing prescription drug coverage limits and changing copay amounts. In addition to reviewing your policy, be sure to follow these quick tips to be a wise health care consumer next year.