has determined is not inconsistent under section 553. 553. Effect on State laws (a) In general This subtitle does not annul, alter, or affect, or exempt any insurer subject to the provisions of this subtitle from complying with the laws of any State with respect to the use of lawful possession by such person of naloxone pursuant to a standing order for the dispensing of naloxone to a health care professional or first responder issued by an agency of a State or unit of general local government for the purposes of underwriting or rating life insurance except to the extent that such laws are inconsistent with any provision of this subtitle and then only to the extent of the inconsistency. The Secretary may determine whether such inconsistencies exist. The Secretary may not determine that any State law is inconsistent with any provision of this subtitle if the Secretary determines that such law gives greater protection to the insured. (b) State exemptions The Secretary shall, by regulation, exempt from the requirements of this subtitle any class of insurance transactions within any State if the Secretary determines that under the law of that State that class of transaction is subject to requirements substantially similar to those imposed under this subtitle or that such law gives greater protection to the consumer, and that there is adequate provision for enforcement. 554. Definitions For purposes of this subtitle, the following definitions shall apply: (1) First responder The term first responder means an individual serving a Federal, State, or local governmental or nongovernmental agency in an official capacity, with or without compensation, as a law enforcement or public safety officer, firefighter, emergency rescue or response team member, emergency medical service provider or paramedic, or rescue squad or ambulance crew member. (2) Health care professional The term health care professional means, with respect to the provision of health care items and services in a State, an individual who is licensed or