This subtitle does not apply to: life insurance; health insurance, except as provided in subsection (c) of this section; annuities; reinsurance; wet marine and transportation insurance, except as provided in subsection (b) of this section; insurance on a subject that is located, resident, or to be performed wholly outside the State; insurance on vehicles or aircraft owned and principally garaged outside the State; insurance on property or operation of railroads engaged in interstate commerce; insurance: on aircraft owned or operated by aircraft manufacturers or operated in scheduled interstate flight; on cargo of the aircraft described in item (i) of this item; or against liability arising out of the ownership, maintenance, or use of the aircraft described in item (i) of this item, other than workers’ compensation or employer’s liability; or medical stop–loss insurance, as defined in § 15–129 of this article. This subtitle applies to wet marine and transportation insurance on: a pleasure craft under 60 feet in length that is owned and used for pleasure and not for business, hire, or other commercial use; fishing vessels under 50 gross tons that are not part of a fleet of 3 or more vessels; and charter or head boats under 50 gross tons that are not part of a fleet of 3 or more vessels. Subject to § 3–306.2 of this subtitle, this subtitle applies to: disability insurance that: provides for lost income, revenue, or proceeds in the event that an illness, accident, or injury results in a disability that impairs an insured’s ability to work or otherwise generate income, revenue, or proceeds that the insurance is intended to replace; and does not include payment for medical expenses, dismemberment, or accidental death; and short–term medical insurance that provides limited health insurance benefits for a limited period of time to: residents of the United States who travel to another country within 30 days after the effective date of coverage; and residents of another country who: travel to the United States within 30 days after the effective date of coverage; and are not traveling to the United States for the purpose of attending an institution of higher education, as defined in § 10–101 of the Education Article.