As used in this act:
1. “Adverse tier placement” means being subject to the rates of any tier with less coverage or higher premiums than the tier within which the insured is currently insured;
2. “Federal government-sponsored health insurance program” means the TriCare program providing coverage for civilian dependents of military personnel;
3. “Health plan” means any insurance company or health maintenance organization which issues individual coverage to a resident of this state;
4. “Individual coverage” means health insurance or health maintenance organization coverage issued on other than a group or blanket basis, including an individual coverage containing coverage for a spouse, dependent, or both;
5. “Insureds” means persons enrolled under individual coverage issued by a health plan. Insureds include persons covered under a policy of personal insurance; and 6. “Personal insurance” means private passenger automobile, motorcycle, mobile homeowners, homeowners, renters and noncommercial-dwelling fire insurance policies and boat, personal watercraft, snowmobile and recreational vehicle policies.