ROBERT L. EHRLICH, JR., Governor

Ch. 60

[(s)] (Q) "Waiting period" means the period of time that must pass before an
individual is eligible to be covered for benefits under the terms of a group health
benefit plan.

[(t)] (R) (1) "Weighted average" means the average actuarial value of the
benefits provided by:

(i) all the health insurance coverages issued by the carrier in this
State in the individual market during the previous calendar year, weighted by
enrollment for the different coverages; or

(ii) all the health insurance coverages issued by all carriers in this
State in the individual market, if the data are available, during the previous calendar
year, weighted by enrollment for the different coverages.

(2) "Weighted average" does not include coverages issued under this
subtitle.

[15-1304.

A carrier may not offer any individual health benefit plans in this State unless
the carrier offers, and actively markets, the policies required by this subtitle.]

[15-1305.

(a)     Unless a carrier makes an election under § 15-1306 of this subtitle, the
carrier may not:

(1)     decline to offer coverage to, or deny enrollment of an eligible
individual; or

(2)     impose any preexisting condition provision on an eligible individual.

(b)     (1) A carrier that makes an election under § 15-1306 of this subtitle may
choose to offer at least two different policy forms, both of which are designed for, made
generally available to, actively marketed to, and enroll, both eligible individuals and
other individuals.

(2) Policy forms that have different cost-sharing arrangements or
different riders shall be considered to be different policy forms.

(c)     Policy forms shall comply with the requirements of this subtitle.]

[15-1306.

(a) A carrier that intends to offer two policy forms shall submit in writing to
the Commissioner both:

(1) an election whether to offer:

(i) a high level and low level policy form, each of which includes
benefits substantially similar to other individual health insurance coverage offered by
the carrier in this State; or

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