; and (B) in paragraph (2), by adding at the end the following: Notwithstanding any other provision of law, a health insurance issuer may not exclude from such disclosure information that is a trade secret or commercial or financial information described in section 552(b)(4) of title 5, United States Code. ; (2) in subsection (b)— (A) in paragraph (2)(A), by inserting and paragraph (3) after subsection (a)(2) ; and (B) by adding at the end the following: (3) Prohibiting unreasonable increases (A) In general Beginning with plan years beginning in 2020, the Secretary, or a State pursuant to an effective rate review program meeting the requirements under paragraph (4)— (i) shall, consistent with subsection (a)(2) and paragraph (2), review increases in health insurance premiums that are subject to review pursuant to section 154.200 of title 45, Code of Federal Regulations (or any successor regulation), and determine whether such increases are unreasonable; and (ii) may prohibit a health insurance issuer from implementing such an increase that is unreasonable. (B) Unreasonable increases In determining whether an increase in health insurance premiums is unreasonable under subparagraph (A)(i)— (i) the Secretary shall consider whether the increase is excessive, unjustified, discriminatory, or inadequate; and (ii) the State, pursuant to an effective rate review program meeting the requirements under paragraph (4), shall apply applicable State law for making such determination. (4) State effective rate review programs A State effective rate review program meets the requirements under this paragraph if— (A) the program carries out the reviews described in paragraph (3)(A)(i) and ensures that such reviews are a meaningful, effective, and timely review of the data and documentation (including any contracts or documents described in subparagraph (E)) submitted by health insurance issuers in support of proposed increases in health insurance premiums