As used in this act:

(a) “Adverse tier placement” means being subject to the rates of any tier with less coverage or higher premiums than the tier within which the insured is currently insured.

(b) “Federal government sponsored health insurance program” means the TriCare program providing coverage for civilian dependents of military personnel.

(c) “Health plan” means any insurance company or health maintenance organization which issues individual coverage to a resident of this state.

(d) “Individual coverage” means health insurance or health maintenance organization coverage issued on other than a group or blanket basis, including an individual coverage containing coverage for a spouse, dependent, or both.

(e) “Insureds” means persons enrolled under individual coverage issued by a health plan. Insureds includes persons covered under a policy of personal insurance.

(f) “Personal insurance” means private passenger automobile, motorcycle, mobile homeowners, homeowners, renters and non-commercial dwelling fire insurance policies and boat, personal watercraft, snowmobile and recreational vehicle policies.