Sec. 1. 24-A MRSA §2736-C, sub-§10 is enacted to read:

10. Options included in all health coverage plans.__All carriers offering individual health plans in this State shall offer, at the time of offering and renewing a health plan, an alternate version of that plan in accordance with the requirements of this subsection and any rules adopted by the superintendent pursuant to this subsection.__The alternate version of each plan must provide the identical coverages of the primary plan except that additional deductibles and coinsurance payments must be required in the alternate plan as described in this subsection.

A.__The alternate plan must include an annual deductible of $3,000. The alternate plan must include a 20% coinsurance payment on health care expenses above $3,000 until the annual out-of-pocket payments for covered health care expenses reach $6,000. When the $6,000 annual limit is met, the coinsurance amount must be reduced to 5% on any additional expenses.

B.__A carrier may not enroll an individual in an alternate plan as described in this section if the individual has any other supplemental insurance coverage for the payment of the deductibles and coinsurance associated with the alternate plan.

C. The superintendent shall adopt rules to further define the options required by this subsection. Rules adopted pursuant to this subsection are routine technical rules as defined in Title 5, chapter 375, subchapter 2-A.

Sec. 2. 24-A MRSA §2808-B, sub-§10 is enacted to read:

10.__Options included in all health coverage plans.__All carriers offering small group health plans in this State shall offer, at the time of offering and renewing a health plan, an alternate version of that plan in accordance with the requirements of this subsection and any rules adopted by the superintendent pursuant to this subsection.__The alternate version of each plan must provide the identical coverages of the primary plan except that additional deductibles and coinsurance payments must be required in the alternate plan as described in this subsection.

A.__The alternate plan must include an annual deductible of $3,000.__The alternate plan must include a 20% coinsurance payment on health care expenses above $3,000 until the