1. Short title This Act may be cited as the Consumer Health Insurance Protection Act of 2018 . 2. Table of contents The table of contents for this Act is as follows: Sec. 1. Short title. Sec. 2. Table of contents. TITLE I—Limiting insurer profits and preventing unreasonable premium increases Sec. 101. Medical loss ratio. Sec. 102. Ensuring that consumers get value for their dollars. Sec. 103. Effective date. TITLE II—Making health insurance coverage affordable Sec. 201. Enhancement of premium assistance credit. Sec. 202. Enhancements for reduced cost-sharing. Sec. 203. Cap on prescription drug cost-sharing. Sec. 204. Standardized options in the bronze, silver, and gold levels of coverage. Sec. 205. Clarification regarding determination of affordability of employer-sponsored minimum essential coverage. TITLE III—Ensuring access to care Sec. 301. Network adequacy requirements. Sec. 302. Ensuring adequate coverage in areas with fewer than 3 health insurance issuers offering qualified health plans on the State Exchange. Sec. 303. Enrollment in Exchanges. Sec. 304. Marketing and outreach for Exchanges operated by the Secretary. Sec. 305. Navigator program. TITLE IV—Strengthening consumer health insurance protections Sec. 401. Prohibiting discriminatory premiums based on tobacco use. Sec. 402. Health insurance consumer information. Sec. 403. Patient protections. Sec. 404. Limitation on balance billing for emergency services. Sec. 405. Notification of provider terminations. Sec. 406. Short-term limited duration health insurance coverage. Sec. 407. Protecting essential health benefits. Sec. 408. Association health plans. I Limiting insurer profits and preventing unreasonable premium increases 101. Medical loss ratio Section 2718(b)(1)(A)(ii) of the Public Health Service Act ( 42 U.S.C. 300gg–18(b)(1)(A)(ii) ) is amended by striking 80 each place it appears and inserting 85 . 102. Ensuring that consumers get value for their dollars Section 2794 of the Public Health Service Act ( 42 U.S.C. 300gg–94 ) is amended— (1) in