By Sept. 23, a wave of health reform provisions will take effect. But, according to a new phone survey from the National Association of Insurance Commissioners, most consumers don't know exactly what's coming.

NAIC's survey found when asked to choose from four dates for which the first health care reform provisions officially take effect, only 14 percent of respondents correctly identified Sept. 23, 2010.

And when asked about the provisions that will take effect on Sept. 23, most respondents were only in tune to things that affect children. Specifically, 72 percent knew that children with pre-existing conditions may not be excluded from coverage and 70 percent understood that individuals up to age 26 may be covered under their parents' insurance.

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