; and (2) for which individual coverage has been selected. (f) Prohibition on reconstitution The Secretary shall ensure that producers on a farm do not reconstitute the farm to void or change an election or selection made under this section. 105. Price loss coverage (a) Price loss coverage payments If all of the producers on a farm make the election under subsection (a) of section 104 to obtain price loss coverage or, subject to subsection (c)(1) of that section, are deemed to have made that election under subsection (c)(2) of that section, the Secretary shall make price loss coverage payments to producers on the farm on a covered commodity-by-covered-commodity basis if the Secretary determines that, for any of the 2019 through 2024 crop years— (1) the effective price for the covered commodity for the crop year; is less than (2) the reference price for the covered commodity for the crop year. (b) Effective price The effective price for a covered commodity for a crop year shall be the higher of— (1) the national average market price received by producers during the 12-month marketing year for the covered commodity, as determined by the Secretary; or (2) the national average loan rate for a marketing assistance loan for the covered commodity in effect for that crop year under title II. (c) Payment rate The payment rate shall be equal to the difference between— (1) the reference price for the covered commodity; and (2) the effective price determined under subsection (b) for the covered commodity. (d) Payment amount If price loss coverage payments are required to be provided under this section for any of the 2019 through 2024 crop years for a covered commodity, the amount of the price loss coverage payment to be paid to the producers on a farm for the crop year shall be equal to the product obtained by multiplying— (1) the payment rate for the covered commodity under subsection (c); (2) the payment yield for the covered commodity