; and (2) 90 days after the applicable State authority (as defined in section 2791(d)(1) of the Public Health Service Act ( 42 U.S.C. 300gg–91(d)(1) )) first discovers, or reasonably should discover, that, in at least one county in the State (or, in the case of a State that does not have counties, equivalent municipality), only one health insurance issuer offers in the current plan year, or will offer in a future plan year, coverage in the individual market for the current plan year or a future plan year, as applicable, in the case of a State not described in paragraph (1). (c) Term of waiver A waiver under this section may extend over a period of not more than 5 years, provided that the State continues to meet the criteria for eligibility for the waiver under subsection (a). A State that continues to meet such criteria for more than 5 years may recertify under subsection (a) every 5 years. (d) Plans offering essential health benefits Nothing in this Act prevents a health insurance issuer from offering in a State to which a waiver under subsection (a) applies health insurance coverage that includes the essential health benefits package described in section 1302(a) of the Patient Protection and Affordable Care Act ( 42 U.S.C. 18022(a) ).