; (B) by striking premium increases each place it appears and inserting rates ; (C) in paragraph (1)— (i) in the paragraph heading, by striking Premium Increase and inserting Rate ; and (ii) in subparagraph (B), by striking excessive or unjustified and inserting excessive, unjustified, or unfairly discriminatory ; and (D) in paragraph (2)— (i) in the paragraph heading, by striking Premium Increases and inserting Rates ; and (ii) in subparagraph (B), by striking premium and inserting rate . (c) Conforming amendment Section 1311(e)(2) of the Patient Protection and Affordable Care Act ( 42 U.S.C. 18031(e)(2) ) is amended by striking excessive or unjustified premium increases and inserting excessive, unjustified, or unfairly discriminatory rates . (d) Applicability to grandfathered health plans Section 1251(a)(5) of the Patient Protection and Affordable Care Act ( 42 U.S.C. 18011(a)(5) ) is amended— (1) by striking Sections 2799A–1 and inserting the following: (A) In general Sections 2799A–1 ; and (2) by adding at the end the following: (B) Ensuring that consumers get value for their dollars Section 2794 of the Public Health Service Act shall apply to grandfathered health plans for plan years beginning on or after January 1, 2025. . (e) Effective date The amendments made by this section shall take effect on the date of enactment of this Act and shall be implemented with respect to health plans beginning not later than January 1, 2025. 10. Sense of Congress It is the sense of the Congress that— (1) the Federal Government, acting in its capacity as an insurer, employer, or health care provider, should serve as a model for the Nation to ensure coverage of all reproductive services; and (2) all restrictions on coverage of reproductive services in the private insurance market should end.