For each delivery system identified in §F of this regulation, a carrier shall apply the uniform cost-sharing arrangements specified. Copayments. Except for copayments for emergency services, which a carrier shall apply to the deductible and the out-of-pocket limit, a carrier may not apply the copayments set forth in this chapter to reduce the amount of a deductible or out-of-pocket limit. Notwithstanding §B(1) of this regulation, a carrier shall apply all copayments set forth in this chapter to reduce the amount of a deductible or out-of-pocket limit for a HSA-compatible delivery system. A carrier shall apply the covered person's coinsurance amount and emergency services copayments to the deductible and out-of-pocket limit. A carrier shall apply the deductible to the out-of-pocket limit. A carrier may increase deductibles, copayments, coinsurance, or out-of-pocket limits up to 1.5 times the amounts specified in §F of this regulation in accordance with Insurance Article, §15-1208, Annotated Code of Maryland. For each of the delivery systems identified, the following general cost-sharing requirements apply: Indemnity: For an employee enrolled under individual coverage, a deductible of $2,500 per year; for an employee enrolled under other than individual coverage, a deductible of $5,000 in aggregate per year; For an employee enrolled under individual coverage, out-of-pocket limit of $4,900 per year; for an employee enrolled under other than individual coverage, out-of-pocket limit of $9,800 in aggregate per year; Lifetime maximum of: For plan years beginning before September 23, 2010, $2 million per covered person; and For plan years beginning on or after September 23, 2010, unlimited; Carrier's coinsurance percentage of 80 percent of allowable charges; Preferred provider organizations: Non-health savings account-compatible preferred provider organizations (PPO): For an employee enrolled under individual coverage, combined in-network and out-of-network deductible of $2,500 per year; for an employee enrolled under other than individual coverage, combined in-network and out-of-network deductible of $5,000 in aggregate per year; For an employee enrolled under individual coverage, combined in-network and out-of-network out-of-pocket limit of $4,900 per year; for an employee enrolled under other than individual coverage, combined in-network and out-of-network out-of-pocket limit of $9,800 in aggregate per year; PPO-HSA: For an employee enrolled under individual coverage, combined in-network, out-of-network, and prescription drug deductible of $2,700 per year; for an employee enrolled under other than individual coverage, combined in-network, out-of-network, and prescription drug deductible of $5,450 in aggregate per year; For an employee enrolled under individual coverage, combined in-network and out-of-network out-of-pocket limit of $5,250 per year; for an employee enrolled under other than individual coverage, combined in-network and out-of-network out-of-pocket limit of $10,500 in aggregate per year; For the health savings account-compatible preferred provider, carriers may not offer additional benefits to reduce deductibles below the minimum deductibles required by federal law or raise out-of-pocket limits above the maximum out-of-pocket limits required by federal law; A carrier may offer either a PPO-HSA or a non PPO-HSA, or both; Lifetime maximum of: For plan years beginning before September 23, 2010, $2 million per covered person; and For plan years beginning on or after September 23, 2010, unlimited; Carrier's coinsurance percentage of 80 percent of allowable charges for in-network services; Carrier's coinsurance percentage of 60 percent of allowable charges for out-of-network services; Point-of-service when delivered in conjunction with preferred provider: For an employee enrolled under individual coverage, a deductible of $2,500 per year; for an employee enrolled under other than individual coverage, a deductible of $5,000 in aggregate per year; For an employee enrolled under individual coverage, combined in-network and out-of-network out-of-pocket limit of $4,900 per year; for an employee enrolled under other than individual coverage, combined in-network and out-of-network out-of-pocket limit of $9,800 in aggregate per year; Lifetime maximum of: For plan years beginning before September 23, 2010, $2 million per covered person; and For plan years beginning on or after September 23, 2010, unlimited; Carrier's coinsurance percentage of 80 percent of allowable charges for in-network services; Carrier's coinsurance percentage of 60 percent of allowable charges for out-of-network services; Health maintenance organization-non-health savings account compatible delivery system: A covered person shall be responsible for copayments for the following services at the payment level indicated: Primary care services—$30; Specialty care services—$40; Physician inpatient hospital visits—$30; Outpatient laboratory services—$40 or 50 percent of the cost of the service, whichever is less; Outpatient diagnostic services—$40 or 50 percent of the cost of the service, whichever is less; and Inpatient hospital copayment—$1,000 per admission; For an employee enrolled under individual coverage, the out-of-pocket limit is 200 percent of the total annual premium as specified by a fixed dollar amount in the employee's certificate; For an employee enrolled under other than individual coverage, the out-of-pocket limit is 200 percent of the total annual premium in aggregate as specified by a fixed dollar amount in the employee's certificate; Under the mandatory POS option, carrier's coinsurance percentage of at least 60 percent of allowable charges for out-of-network services; High deductible health maintenance organization—non-health savings account compatible delivery system: Except as described in §F(5)(e) of this regulation, for an employee enrolled under individual coverage, combined in-network and out-of-network deductible of $2,500 per year; for an employee enrolled under other than individual coverage, combined in-network and out-of-network deductible of $5,000 in aggregate per year; For an employee enrolled under individual coverage, combined in-network and out-of-network out-of-pocket limit of $4,900 per year; for an employee enrolled under other than individual coverage, combined in-network and out-of-network out-of-pocket limit of $9,800 in aggregate per year; After the deductible described in §F(5)(a) of this regulation is satisfied, the covered person shall be responsible for copayments for the following services at the payment level indicated: Primary care services—$30; Specialty care services—$40; Physician inpatient hospital visits—$30; Outpatient laboratory services—$40 or 50 percent of the cost of the service, whichever is less; Outpatient diagnostic services—$40 or 50 percent of the cost of the service, whichever is less; and Inpatient hospital copayment—$1,000 per admission; Under the mandatory POS option, the carrier's coinsurance percentage shall be at least 60 percent of allowable charges for out-of-network services; and Well-child care and immunization benefits provided in conjunction with the high deductible health maintenance organization—non-health savings account compatible delivery system shall be subject to a $10 copayment and not subject to the overall deductible; HMO-HSA: Except as described in §F(6)(e) of this regulation, combined annual deductible for all covered services, including prescription drugs, of $2,700 for an employee enrolled in individual coverage and $5,450 in aggregate for an employee enrolled in other than individual coverage; The out-of-pocket limit for all covered services, including prescription drugs, child wellness, and immunization services, shall be subject to the annual out-of-pocket maximum for HSA-compatible delivery systems of $5,250 for employees enrolled as individuals and $10,500 in aggregate for employees enrolled as other than individuals; After the deductible described in §F(6)(a) of this regulation is satisfied, the covered person shall be responsible for copayments at the payment level indicated: Primary care services—$30; Specialty care services—$40; Physician inpatient hospital visits—$30; Outpatient laboratory services—$40 or 50 percent of the cost of the service, whichever is less; Outpatient diagnostic services—$40 or 50 percent of the cost of the service, whichever is less; and Inpatient hospital copayment—$1,000 per admission; Under the mandatory POS option, the carrier's coinsurance percentage shall be at least 60 percent of allowable charges for out-of-network services; Well-child care and immunization benefits provided in conjunction with the HMO-HSA shall be subject to a $10 copayment and not subject to the overall deductible; Triple option point-of-service: For the indemnity portion of the triple option, the general cost-sharing requirements set forth in §F(1) of this regulation shall apply; For the preferred provider portion of the triple option, the general cost-sharing requirements set forth in §F(2)(a), (e)—(g) of this regulation shall apply; For the health maintenance organization portion of the triple option, the general cost-sharing requirements set forth in §F(4) of this regulation shall apply; For plan years beginning before September 23, 2010, a $2 million lifetime maximum per covered person is applicable to the indemnity and preferred provider portions of the triple option; For plan years beginning on or after September 23, 2010, a lifetime maximum may not apply to the indemnity and preferred portions of the triple option; A lifetime maximum may not apply to the health maintenance organization portion of the triple option; Exclusive provider: Non-health savings account-compatible exclusive provider organization (EPO): For an employee enrolled under individual coverage, a deductible of $2,500 per year; for an employee enrolled under other than individual coverage, a deductible of $5,000 in aggregate per year; For an employee enrolled under individual coverage, an out-of-pocket limit of $4,900 per year; for an employee enrolled under other than individual coverage, an out-of-pocket limit of $9,800 in aggregate per year; EPO-HSA: For an employee enrolled under individual coverage, a deductible of $2,700 per year; for an employee enrolled under other than individual coverage, a deductible of $5,450 in aggregate per year; For an employee enrolled under individual coverage, an out-of-pocket limit of $5,250 per year; for an employee enrolled under other than individual coverage, an out-of-pocket limit of $10,500 in aggregate per year; For the health savings account-compatible exclusive provider organization, carriers may not offer additional benefits to reduce deductibles below the minimum deductibles required by federal law or raise out-of-pocket limits above the maximum out-of-pocket limits required by federal law; A carrier may offer an EPO or an EPO-HSA, or both; There shall be a lifetime maximum of: For plan years beginning before September 23, 2010, $2 million per covered person; and For plan years beginning on or after September 23, 2010, unlimited; There shall be a carrier's coinsurance percentage of 80 percent of allowable charges for covered services; Under the mandatory out-of-network option described in Regulation .08 of this chapter, there shall be a carrier's coinsurance percentage of at least 60 percent of allowable charges for out-of-network services.