1.    For purposes of this section an association short-term limited-duration insurance plan approved under section 26.1-30-19 before August 1, 2021, may maintain the current plan and is not required to comply with the requirements of this section.

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2.    An insurer issuing a policy or certificate under this section shall provide, at the insured’s option, for renewal or continuation of coverage. The renewal or continuation of coverage period may not extend for more than thirty-six months from the original effective date of the policy.

3. An insurer may not subject an insured to additional underwriting at renewal or continuation of coverage. An insurer offering a short-term limited-duration health insurance plan may not rate an insured based on any factor other than:

a.    Geographic areas; b.    Tobacco use; c.    Family size; d.    Age; and e.    Gender.

4.    At a minimum, an association short-term limited-duration plan must cover the following:

a.    Ambulatory patient services in accordance with the essential health benefits; b.    Emergency services in accordance with the essential health benefits; c.    Hospitalization in accordance with the essential health benefits; d.    Pregnancy, maternity, and newborn care in accordance with the essential health benefits;     e.    Mental health and substance use disorder services in accordance with the essential health benefits; f.    Prescription drugs in accordance with the essential health benefits; g.    Rehabilitative and habilitative services and devices in accordance with the essential health benefits; h.    Laboratory services in accordance with the essential health benefits; and

i.    Preventive and wellness services in accordance with the essential health benefits.

5.    An insurer shall provide a notice of termination of the policy or certificate to the insured at least fifteen days before renewal or end of the policy term.