(1) shall offer all applicants for medical malpractice insurance and all policyholders, effective with the next anniversary date, the option of purchasing a no-consent policy;
(2) may offer each policyholder insured for medical malpractice prior to October 1, 1982, the option of obtaining a policy endorsement converting the existing policy to a no-consent policy.
(b) Any no-consent medical malpractice insurance policy offered an insured by the insurer may be offered, at the option of the insurer, with or without a reasonable deductible or coinsurance clause.