; (II) 92 percent in the case of an eligible insured described in paragraph (2)(B); (III) 90 percent in the case of an eligible insured described in paragraph (2)(C); (IV) 85 percent in the case of an eligible insured described in paragraph (2)(D); and (V) 80 percent in the case of an eligible insured described in paragraph (2)(E). . (c) Effective date The amendments made by this section shall apply to plan years beginning after December 31, 2024. 7. Reinsurance and affordability fund Part 5 of subtitle D of title I of the Patient Protection and Affordable Care Act is amended by inserting after section 1341 ( 42 U.S.C. 18061 ) the following: 1341A. Reinsurance and affordability fund for the individual market in each State (a) In general The Secretary, in consultation with the National Association of Insurance Commissioners, shall establish a program to enable each State, for any plan year beginning in the 3-year period beginning January 1, 2025, to— (1) provide reinsurance payments to health insurance issuers with respect to individuals enrolled under individual health insurance coverage offered by such issuers; or (2) provide assistance (other than through payments described in paragraph (1)) to reduce out-of-pocket costs, such as copayments, coinsurance, premiums, and deductibles, of individuals enrolled under qualified health plans offered in the individual market through an Exchange. (b) Appropriations There is appropriated, out of any money in the Treasury not otherwise appropriated, $30,000,000,000 for the period of fiscal years 2025 to 2027 for purposes of establishing and administering the program established under this section. Such amount shall remain available until expended. . 8. Expanding rating rules to large group market (a) In general Section 2701(a) of the Public Health Service Act ( 42 U.S.C. 300gg(a) ) is amended— (1) in paragraph (1), by striking small