To require certain high deductible health plans, to the maximum extent permitted by federal law, to: (1) Apply annual deductibles on a calendar year basis; (2) prorate annual deductibles to reflect (A) the portion of the calendar year during which coverage under such plans is effective, and (B) a deduction for payments made by individuals covered under such plans while such individuals were covered under other high deductible health plans during such year; (3) provide deductions for in-network and out-of-network covered benefits; and (4) not apply (A) increased annual deductibles solely because such plans provide family coverage, or (B) annual deductibles that vary solely due to family size.