offered under the plan, State-licensed insurance 
agents shall be used to distribute to small em-
ployers coverage which does not consist of 
health insurance coverage in a manner com-
parable to the manner in which such agents are 
used to distribute health insurance coverage. 
‘‘(B) 
STATE-LICENSED
INSURANCE 
AGENTS.—For purposes of subparagraph (A), 
the term ‘State-licensed insurance agents’ 
means one or more agents who are licensed in 
a State and are subject to the laws of such 
State relating to licensure, qualification, test-
ing, examination, and continuing education of 
persons authorized to offer, sell, or solicit 
health insurance coverage in such State. 
‘‘(5) 
REGULATORY
REQUIREMENTS.—Such 
other requirements as the applicable authority deter-
mines are necessary to carry out the purposes of this 
part, which shall be prescribed by the applicable au-
thority by regulation through negotiated rulemaking. 
‘‘(b) HEALTH BENEFIT OPTIONS UNDER AN ASSO-
CIATION HEALTH PLAN.— 
‘‘(1) EXAMPLES OF TYPES OF COVERAGE.—The 
health benefits coverage made available through an 
association health plan may include, but is not lim-
ited to, any of the following if it meets the other ap-
plicable requirements of this title: 
‘‘(A) Coverage through a health mainte-
nance organization. 
‘‘(B) Coverage in connection with a pre-
ferred provider organization. 
‘‘(C) Coverage in connection with a li-
censed provider-sponsored organization. 
‘‘(D) Indemnity coverage through an insur-
ance company. 
‘‘(E) Coverage offered in connection with a 
contribution into a medical savings account or 
flexible spending account. 
‘‘(F) Coverage that includes a point-of- 
service option. 
‘‘(G) Any combination of such types of 
coverage. 
‘‘(2) 
HEALTH
INSURANCE
COVERAGE
OP-
TIONS.— 
‘‘(A) IN GENERAL.—An association health 
plan shall include a minimum of 4 health insur-
ance coverage options. At least 1 option shall be 
a non network option. At least 2 options shall 
meet all applicable State benefit mandates.
‘‘(B) MODEL
BENEFITS
PACKAGE.—The 
Secretary in consultation with the National As-
sociation of Insurance Commissioners shall de-
velop a model benefits package for health insur-
ance coverage not later than one year after the 
date of the enactment of the Consensus Health 
Care Access and Choice Act of 2003. 
‘‘(C) EXCEPTION TO GENERAL RULE.—An 
association health plan may offer 2 options that 
meet the requirements of the model benefits 
package in lieu of the State benefit mandate of-
ferings required under subparagraph (A). 
‘‘(3) PERMITTING ASSOCIATION HEALTH PLANS 
TO ADJUST DISTRIBUTIONS AMONG ISSUERS TO RE-
FLECT RELATIVE RISK OF ENROLLEES.—Nothing in 
this section shall be construed as precluding an asso-
ciation health plan from providing for adjustments 
in amounts distributed among the health insurance 
issuers offering health benefits coverage through the 
association health plan based on factors such as the 
relative health care risk of members enrolled under 
the coverage offered by the different issuers. 
‘‘(4) CONSTRUCTION.—Except as provided in 
subparagraph (2), nothing in this part or any provi-
sion of State law (as defined in section 514(c)(1))