| http://www.w3.org/ns/prov#value | - of such first day. (2)Limitation on changes in terms or conditionsSubject to paragraph (3) and except as required by law, the issuer does not change any of its terms or conditions, including benefits and cost-sharing, from those in effect as of the day before the first day of Y1. (3)Restrictions on premium increasesThe issuer cannot vary the percentage increase in the premium for a risk group of e
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