(

a) A full service health care service plan that issues, renews, or amends individual health plan contracts shall be subject to this section. (

b) A health care service plan subject to this

section shall have written policies, procedures, or underwriting guidelines establishing the criteria and process whereby the plan makes its decision to provide or to deny coverage to individuals applying for coverage and sets the rate for that coverage. These guidelines, policies, or procedures shall ensure that the plan rating and underwriting criteria comply with Sections 1365.5 and 1389.1 and all other applicable provisions of state and federal law. (

c) On or before June 1, 2006, and annually thereafter, every health care service plan shall file with the department a general description of the criteria, policies, procedures, or guidelines the plan uses for rating and underwriting decisions related to individual health plan contracts, which means automatic declinable health conditions, health conditions that may lead to a coverage decline, height and weight standards, health history, health care utilization, lifestyle, or behavior that might result in a decline for coverage or severely limit the plan products for which they would be eligible. A plan may comply with this

section by submitting to the department underwriting materials or resource guides provided to plan solicitors or solicitor firms, provided that those materials include the information required to be submitted by this section. (

d) Commencing January 1, 2011, the director shall post on the department’s Internet Web site, in a manner accessible and understandable to consumers, general, noncompany specific information about rating and underwriting criteria and practices in the individual market and information about the California Major Risk Medical Insurance Program (Part 6.5 (commencing with

Section 12700) of Division of the Insurance Code) and the federal temporary high risk pool established pursuant to

Part 6.6 (commencing with

Section 12739.5) of Division of the Insurance Code. The director shall develop the information for the Internet Web site in consultation with the Department of Insurance to enhance the consistency of information provided to consumers. Information about individual health coverage shall also include the following notification: “Please examine your options carefully before declining group coverage or continuation coverage, such as COBRA, that may be available to you. You should be aware that companies selling individual health insurance typically require a review of your medical history that could result in a higher premium or you could be denied coverage entirely.” (

e) This

section does not authorize public disclosure of company specific rating and underwriting criteria and practices submitted to the director. (

f) This

section does not apply to a closed block of business, as defined in

Section 1367.15. (g)

(1) This

section shall become inoperative on November 1, 2013, or the 91st calendar day following the adjournment of the 2013–14 First Extraordinary Session, whichever date is later.

(2) If

Section 5000A of the Internal Revenue Code, as added by

Section of PPACA, is repealed or amended to no longer apply to the individual market, as defined in

Section of the federal Public Health Service Act (42 U.S.C.

Sec. 300gg-91), this

section shall become operative months after the date of that repeal or amendment.