Any insurer or HMO withdrawing from writing all premium in all lines of insurance in this state and required to file a plan of orderly withdrawal under Insurance Code Chapter 827, may not resume writing the withdrawn lines in this state before the fifth anniversary of the date of the withdrawal without complying with all applicable statutory and regulatory provisions governing authorization to write such lines of insurance in this state and receiving the written approval of the Commissioner to resume such writing. The five-year ban under Insurance Code §827.006, for the resumption of writing insurance after a withdrawal, takes effect the later of the date the insurer or HMO intends to begin its withdrawal as stated in the plan approved by the Commissioner or discovery by the department of the insurer's or HMO's failure to file a withdrawal plan.