# Insurance (GIN)

## Title 15. Health Insurance

### Subtitle 14. Maryland Health Insurance Portability and Accountability Act -- Large Group Market Reforms

#### Section 15-1409

(a) In this section, "product" means a discrete package of health benefits that are offered using a particular product network type within a geographic service area.

(b) A carrier that elects not to renew all of a particular product in the State shall:

  (1) provide notice of the nonrenewal at least 90 days before the date of the nonrenewal to each affected:

    (i) policyholder;

    (ii) plan sponsor;

    (iii) participant; and

    (iv) beneficiary;

  (2) offer to each affected plan sponsor the option to purchase any other health insurance coverage currently being offered by the carrier; and

  (3) act uniformly without regard to the claims experience of any affected plan sponsor, or any health status-related factor of any affected individual.

(c) A carrier may elect not to renew all group health benefit plans in the State.

(d) When a carrier elects not to renew all group health benefit plans in the State, the carrier:

  (1) shall give notice of its decision to the affected individuals at least 180 days before the effective date of nonrenewal;

  (2) at least 30 working days before that notice, shall give notice to the Commissioner; and

  (3) may not write new business for groups in the State for a 5-year period beginning on the date of notice to the Commissioner.

(e) A health maintenance organization need not offer coverage to an individual who does not live, reside, or work within the health maintenance organization's approved service areas.

(f) A carrier may make a uniform modification of coverage for a product only at the time of renewal of a health benefit plan.

(g) A carrier will not be considered to have elected not to renew all group health benefit plans in the State if the carrier complies with 45 C.F.R. Sec. 147.106(d)(3).

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Md. Code Ann., Ins. (as displayed at mgaleg.maryland.gov, October 16, 2026)