In this subtitle the following words have the meanings indicated. “Carrier” means: an insurer that holds a certificate of authority in the State and provides health insurance in the State; a health maintenance organization that is licensed to operate in the State; a nonprofit health service plan that is licensed to operate in the State; or any other person or organization that provides health benefit plans subject to State insurance regulation. “Child” means: a natural child, a stepchild, a foster child, or an adopted child of the insured; or a child placed with the insured for legal adoption. “Essential health benefit” means a health benefit that: meets the criteria established under § 1302(b) of the Affordable Care Act; or if the Commissioner adopts regulations as described in § 15–1A–04 of this subtitle, meets the criteria established by the adopted regulations. “Grandfathered plan” means a health benefit plan that: meets the criteria established under 45 C.F.R. § 147.140 and any corresponding federal rules and guidance as those provisions were in effect December 31, 2024; or if the Commissioner adopts regulations as described in § 15–1A–03 of this subtitle, meets the criteria established by the adopted regulations. “Group plan” means a small group plan or a large group plan. “Health benefit plan” means an individual plan, a small group plan, or a large group plan. “Individual plan” means an individual health benefit plan as defined in § 15–1301(o) of this title. “Insured individual” means: an insured, an enrollee, a subscriber, a participant, a member, or a beneficiary of a health benefit plan; or any covered dependent of a health benefit plan. “Large group plan” means a health benefit plan as defined in § 15–1401 of this title. “Small group plan” means a health benefit plan as defined in § 15–1201 of this title.