D.__The person has met the lifetime maximum benefit amount under the plan of $3,000,000;

E.__The person is an inmate or resident of a public institution; or

F.__The person's premiums are paid for or reimbursed under any government-sponsored program or by any government agency or health care provider, except as an otherwise qualifying full-time employee, or dependent thereof, of a government agency or health care provider.

5.__Termination of coverage.__The coverage of any person ceases:

A.__On the date a person is no longer a resident;

B.__Upon the death of the covered person;

C.__On the date state law requires cancellation of the policy; or

D.__At the option of the association, 30 days after the association makes any inquiry concerning the person's eligibility or place of residence to which the person does not reply.

The coverage of any person who ceases to meet the eligibility requirements of this section may be terminated immediately.

6.__Unfair trade practice.__It constitutes an unfair trade practice for any insurer, producer, employer or 3rd-party administrator to refer an individual employee or a dependent of an individual employee to the association, or to arrange for an individual employee or a dependent of an individual employee to apply to the plan, for the purpose of separating such an employee or dependent from a group health benefits plan provided in connection with the employee's employment.

§3912.__Actions against association or member insurers based upon

joint or collective actions

Participation in the association, the establishment of rates, forms or procedures or any other joint or collective action required by this chapter may not be the basis of any legal action or criminal or civil liability or penalty against the association or a member insurer.