; and (B) in the case of an applicable individual who is enrolled in a public or private health insurance plan, any health care items and services covered by such plan as of March 1, 2020, or in the case of an applicable individual who enrolls in such plan after the date, any health care items and services covered by such plan as of the date of such enrollment. (2) Applicable individual The term applicable individual means an individual who is a resident of the United States. (c) Requirements (1) No effect on applicable cost-sharing requirements Nothing in this section shall affect the application of any requirements applicable under Federal or State law with respect to coverage of health care items and services without any cost sharing. (2) Maintenance of Effort (A) In general During the period described in subsection (a), a public or private health plan shall not increase cost sharing, decrease benefits, or otherwise make coverage less generous than the benefits offered on the date of enactment of this Act. (B) New Items and Services During such period, a public or private health plan shall provide coverage of new items and services, including those related to COVID–19, as appropriate, at a minimum, at a level consistent with the prior coverage practices and formularies of the plan. (3) Limitation on out-of-pocket expenses During such period, in order to be eligible to receive payments under this section, a qualified provider shall agree not to impose on an applicable individual any charge for applicable health care items and services furnished to the applicable individual. (4) Permissible billing of plans