Sec. H-1. 24-A MRSA §1951, sub-§2, as corrected by RR 2001, c. 2, Pt. B, §42 and affected by §58, is amended to read:

2. Private purchasing alliance. "Private purchasing alliance" or "alliance" means a corporation licensed pursuant to this section established under former Title 13-A, Title 13-B or Title 13-C to provide health insurance to its members through one or more participating carriers.

Sec. H-2. 24-A MRSA §1952, as enacted by PL 1995, c. 673, Pt. A, §3, is amended to read:

§1952. Licensure

A person or entity private purchasing alliance may not market, sell, offer or arrange for a package of one or more health benefit plans underwritten by 2 one or more carriers without first being licensed by the superintendent. The superintendent shall specify by rule standards and procedures for the issuance and renewal of licenses for private purchasing alliances. A rule may require an application fee of not more than $400 and an annual license fee of not more than $100. A license may not be issued until the rulemaking required by this chapter has been undertaken and all required rules are in effect.

Sec. H-3. 24-A MRSA §2736-C, sub-§5, as enacted by PL 1993, c. 477, Pt. C, §1 and affected by Pt. F, §1, is amended to read:

5. Loss ratios. For all policies and certificates issued on or after the effective date of this section, the superintendent shall disapprove any premium rates filed by any carrier, whether initial or revised, for an individual health policy unless it is anticipated that the aggregate benefits estimated to be paid under all the individual health policies maintained in force by the carrier for the period for which coverage is to be provided will return to policyholders at least 65% of the aggregate premiums collected for those policies, as determined in accordance with accepted actuarial principles and practices and on the basis of incurred claims experience and earned premiums.

Sec. H-4. 24-A MRSA §2747, sub-§1, as enacted by PL 1981, c. 205, §2, is amended to read:

1. Any insurer denying medical expense reimbursement benefits on any of the grounds specified in subsection 2 for a