The U.S. Department of Health and Human Services has closed a series of insurance loopholes on coverage of preventive care.

The most important:

Henceforth insurers must cover at least one birth-control option under each of 18 methods approved by the Food and Drug Administration, and  without co-pays.

And insurers can’t charge patients for anesthesia  in connection with colonoscopies.

For insurers, the new government requirements take effect in 60 days but most consumers will not notice major changes until their coverage is renewed for 2016.