(4)__For all policies, contracts or certificates that are executed, delivered, issued for delivery, continued or renewed in this State after February 1, 2006, the maximum rate differential from the community rate filed by the carrier for age as determined by ratio is 4 to one.__The limitation does not apply for determining rates for an attained age of less than 19 or more than 65 years.

(5)__For all policies, contracts or certificates that are executed, delivered, issued for delivery, continued or renewed in this State after February 1, 2006, the maximum rate differential from the community rate filed by the carrier for health status as determined by ratio is 1.5 to one and the maximum rate differential for tobacco use as determined by ratio is 1.5 to one.__Rate variations based on health status do not apply to rate variations based on an insured's status as a tobacco user.

(6)__A variation in rate is not permitted on the basis of changes in health status after a policy, contract or certificate is issued or renewed.

Sec. 4. 24-A MRSA §2736-C, sub-§2, ¶G is enacted to read:

G.__A carrier that offered individual health plans prior to February 1, 2006 may close its individual book of business sold prior to February 1, 2006 and may establish a separate community rate for individuals applying for coverage under an individual health plan after February 1, 2006.

Sec. 5. 24-A MRSA §2736-C, sub-§3, ¶A, as corrected by RR 2001, c. 1, §30, is repealed.

Sec. 6. 24-A MRSA §2736-C, sub-§3, ¶C, as enacted by PL 1993, c. 477, Pt. C, §1 and affected by Pt. F, §1, is repealed.

Sec. 7. 24-A MRSA §2736-C, sub-§3, ¶D, as enacted by PL 1999, c. 256, Pt. D, §1, is amended to read:

D. Notwithstanding paragraph A, carriers Carriers offering supplemental coverage for the Civilian Health and Medical Program for the Uniformed Services, CHAMPUS, are not required to issue this coverage if the applicant for insurance does not have CHAMPUS coverage.