(or lack of participation) in a standards-based wellness program. . (b) Effective date The amendments made by subsection (a) shall apply to plan years beginning more than 1 year after the date of the enactment of this Act. III Improving Access to Insurance for Vulnerable Americans A Eliminating barriers to insurance coverage 301. Elimination of certain requirements for guaranteed availability in individual market (a) In general Section 2741(b) of the Public Health Service Act ( 42 U.S.C. 300gg–41(b) ) is amended— (1) in paragraph (1)— (A) by striking (1)(A) and inserting (1)