; or (B) increasing the premium for any policy issued to an individual based on the manifestation of a disease or disorder of an individual who is covered under the policy (in such case, the manifestation of a disease or disorder in one individual cannot also be used as genetic information about other group members. . (b) Outreach plan (1) In general The Secretary of Health and Human Services shall develop an outreach plan to notify individuals entitled to benefits under part A or enrolled under part B of title XVIII of the Social Security Act ( 42 U.S.C. 1395 et seq. ) of the effects of the amendment made by subsection (a). (2) Consultation In implementing the outreach plan developed under paragraph (1), the Secretary shall consult with consumer advocates, brokers, insurers, the National Association of Insurance Commissioners, and State Health Insurance Assistance Programs. (c) Effective date; phase-In authority (1) Effective date Subject to paragraph (2), the amendment made by subsection (a) shall apply to medicare supplemental policies effective on or after January 1, 2024. (2) Phase-in authority (A) In general Subject to subparagraph (B), the Secretary of Health and Human Services may phase in the implementation of the amendment made under subsection (a) (with such phase-in beginning on or after January 1, 2024) in such manner as the Secretary determines appropriate in order to minimize any adverse impact on individuals enrolled under a medicare supplemental policy. (B) Phase-in period may not exceed 5 years The Secretary of Health and Human Services shall ensure that the amendment made by subsection (a) is fully implemented by not later than January 1, 2029. 3. Medical loss ratio Section 1882(r)(1)(A) of the Social Security Act ( 42 U.S.C. 1395ss(r)(1)(A) ) is amended— (1) by inserting and periodically reviewed after developed ; and (2) by striking policy, at least 75 percent of the aggregate amount of premiums collected in the case of group policies and at least 65 percent in the case of individual policies