The retirement legislation that the House recently passed with an overwhelming bipartisan majority includes a series of provisions that would affect different groups of American savers and retirees. One change would open the door for complex annuity products to become part of your employer’s retirement offerings, but that’s just one provision.

Here’s a sampling of some other changes the bill would make:

■ Allow workers to contribute to an individual retirement account indefinitely, rather than up to the age of 70½.

■ Raise the age at which individuals are required to begin taking withdrawals from their I.R.A.s to 72, from 70½.

■ Allow penalty-free withdrawals from retirement plans to pay for the costs related to the birth or adoption of a child.