consisting only of a married couple to elect to enroll each 
spouse in a different qualified health plan. 
‘‘(e) CHANGES IN PLAN ENROLLMENT.—The Com-
missioner shall provide for and permit changes in the 
qualified health plan in which an individual or family is 
enrolled under this section in a manner similar to the 
manner in which such changes are provided or permitted 
under FEHBP. The Commissioner shall provide for termi-
nation of such enrollment for an individual at the time 
the individual is no longer an AHBP-eligible individual. 
‘‘(f) ENROLLMENT
GUIDES.—The Commissioner 
shall provide for the broad dissemination of information 
on qualified health plans offered under this title. Such in-
formation shall be provided in a comparative manner, 
similar to that used under FEHBP, and shall include in-
formation, collected through surveys of enrollees, on meas-
ures of enrollee satisfaction with the different plans. 
‘‘SEC. 2203. QUALIFIED HEALTH PLANS; BENEFITS; PRE-
MIUMS. 
‘‘(a) OFFERING OF PLANS.—
‘‘(1) CONTRACTS.—The Commissioner shall 
enter into contracts with entities for the offering of 
qualified health plans in accordance with this title. 
Such contracts shall be entered into in a manner 
similar to the process by which the Director of the
Office of Personnel Management is authorized to 
enter into contracts with health benefits plans under 
FEHBP. 
‘‘(2) REQUIREMENTS FOR ENTITIES OFFERING 
PLANS.— No such contract shall be entered into 
with an entity for the offering of a qualified health 
plan in a region unless the entity—
‘‘(A) is licensed as a health maintenance 
organization in that State or is licensed or to 
sell group health insurance in that State; 
‘‘(B) meets such requirements, similar to 
requirements under FEHBP, as the Commis-
sioner may establish relating to solvency, orga-
nization, structure, governance, access, and 
quality; and 
‘‘(C) agrees to participate in the high-risk 
reinsurance pool described in subsection (d). 
‘‘(3) CONTRACTING WITH LIMITED NUMBER OF 
PLANS IN A REGION WITHIN TYPES OF PLANS.—
‘‘(A) IN
GENERAL.—The Commissioner 
shall contract with only a limited number of 
qualified health plans of each type (as specified 
under subparagraph (B)) in each AHBP region. 
‘‘(B) TYPES OF PLANS.—For purposes of 
subparagraph (A), the Commissioner shall clas-
sify the different types of qualified health plans, 
such as fee-for-service plans, health mainte-
nance plans, preferred provider plans, and other 
types of plans. 
‘‘(b) FEHBP SCOPE OF BENEFITS.—
‘‘(1) COMPREHENSIVE
BENEFITS.—Qualified 
health plans shall provide for the same scope and 
type of comprehensive benefits that have been pro-
vided under FEHBP, including the types of benefits 
described in section 8904 of title 5, United States 
Code and including benefits previously required by 
regulation or direction (such as preventive benefits, 
including childhood immunization and cancer screen-
ing, and mental health parity) under FEHBP. 
‘‘(2) NO EXCLUSION FOR PRE-EXISTING CONDI-
TIONS.—Qualified health plans shall not impose pre-
existing condition exclusions or otherwise discrimi-
nate against any enrollee based on the health status 
of such enrollee (including genetic information relat-
ing to such enrollee) . 
‘‘(3) OTHER CONSUMER PROTECTIONS.—Quali-
fied health plans also shall meet consumer and pa-
tient protection requirements that the Commissioner 
establishes, based on similar requirements previously 
imposed under FEHBP, including protections of pa-
tients’ rights previously effected pursuant to Execu-
tive Memorandum. 
‘‘(c) COMMUNITY-RATED PREMIUMS.—
‘‘(1) IN GENERAL.—The premiums established 
for a qualified health plan under this title for indi-
vidual or family coverage shall be community-rated 
and shall not vary based on age, gender, health sta-
tus (including genetic information), or other factors. 
‘‘(2) COLLECTION
PROCESS.—The Commis-
sioner shall establish a process for the timely and 
accurate collection of premiums owed by enrollees, 
taking into account any Government contribution 
under section 2204(a) and any premium subsidy re-
ferred to in section 2205(a). Such process shall in-
clude methods for payment through payroll with-
holding, as well as payment through automatic deb-
iting of accounts with financial institutions, and 
shall be coordinated with the application of section 
59B of the Internal Revenue Code of 1986. Such 
premiums shall be deposited into the American 
Health Benefits Program Trust Fund established 
under section 2204(c). 
‘‘(d) HIGH-RISK REINSURANCE POOL.—The Com-
missioner shall establish an arrangement among the enti-
ties offering qualified health plans under which such enti-