Title I, SEC. 1132. LOWER COST SHARING. (a) In General. The lower cost sharing schedule referred to in section 1131 that is offered by a health plan (1) may not include a deductible; (2) shall have (A) an annual individual out-of-pocket limit on cost sharing of $1500; and (B) an annual family out-of-pocket limit on cost sharing of $3000; (3) except as provided in paragraph (4) (A) shall prohibit payment of any coinsurance; and (B) subject to section 1152, shall require payment of the copayment for an item or service (if any) that is specified for the item or service in the table under section 1135; and (4) shall require payment of coinsurance for an out-of-network item or service (as defined in section 1402(f)) in an amount that is a percentage (determined under subsection (b)) of the applicable payment rate for the item or service established under section 1322(c), but only if the item or service is subject to coinsurance under the higher cost sharing schedule described in section 1133. (b) Out-of-Network Coinsurance Percentage. (1) In general. The National Health Board shall determine a percentage referred to in subsection (a)(4). The percentage (A) may not be less than 20 percent; and (B) shall be the same with respect to all out-of-network items and services that are subject to coinsurance, except as provided in paragraph (2). (2) Exception. The National Health Board may provide for a percentage that is greater than a percentage determined under paragraph (1) in the case of an out-of-network item or service for which the coinsurance is greater than 20 percent of the applicable payment rate under the higher cost sharing schedule described in section 1133.