; and (E) meets such other requirements as the State may specify. (3) Roth HSA In this subsection, the term Roth HSA shall have the meaning given such term by section 530A(c) of the Internal Revenue Code of 1986. (4) Simple process for individuals to opt-out As a condition of a State providing for the enrollment function described in paragraph (1), the State shall establish an easy-to-use and transparent means by which individuals may elect not to be enrolled in default health insurance coverage or to have a Roth HSA established on the individual’s behalf, or both. (d) Consequences respecting continuous coverage (1) Consequences for not maintaining continuous coverage (A) Avoidance of consequences by maintaining continuous coverage (i) In general All qualified residents of a State are eligible during the initial open enrollment period provided under subsection (b)(2) to enroll in qualified health plan coverage and, thereafter, to maintain continuous coverage in order to avoid the adverse consequences described in the succeeding provisions of this paragraph. (ii) Special enrollment periods The State may provide for special enrollment periods based on birth, becoming 26 years of age, and independence from family coverage, during which certain individuals will be eligible to enroll in qualified health plan coverage for purposes of this subsection. (B) Underwriting permitted In the case of a qualified resident of the State who fails to maintain continuous creditable coverage (not including any breaks in coverage of less than 63 days), the State shall— (i) permit health insurance issuers for the period specified in subparagraph (C) to medically underwrite (through denial of health insurance coverage, application of preexisting condition limitations, differential premiums, or otherwise) the issuance of health insurance coverage, other than with respect to the issuance of default health insurance coverage under subsection (c)