Click here to skip navigation
This website uses features which update page content based on user actions. If you are using assistive technology to view web content, please ensure your settings allow for the page content to update after initial load (this is sometimes called "forms mode"). Additionally, if you are using assistive technology and would like to be notified of items via alert boxes, please follow this link to enable alert boxes for your session profile.
An official website of the United States Government.

Frequently Asked Questions Insurance

Multi State Plan Program

  • An enrollee in a multi-state plan would be eligible for the income-based premium subsidy and cost-sharing subsidy. However, the subsidies do not to reflect the costs of any state benefit mandate above the essential benefit package; in that case the state must pay the corresponding amount to either the individual or the multi-state plan.
    How well did this answer your question? Submit
    Submitting rating...
    Thank you for your feedback!
    An error occurred while trying to submit your feedback.
    Please try again later.
  • Multi-state Plans are health insurance plans that are available in states through health insurance exchange in 2014. There are to be at least two in every state and at least one of these health plans must be a non-profit organization.
    How well did this answer your question? Submit
    Submitting rating...
    Thank you for your feedback!
    An error occurred while trying to submit your feedback.
    Please try again later.
  • The insurers selected to be in the multi-state plan must be licensed in each State and are subject to all requirements of state law, except those that would prevent the application of provisions of the Act. OPM may set additional requirements for participating insurers in consultation with HHS.
    How well did this answer your question? Submit
    Submitting rating...
    Thank you for your feedback!
    An error occurred while trying to submit your feedback.
    Please try again later.
    • Offer the essential health benefits package
    • Be uniform in each state – although a state can require that additional benefits be offered to enrollees in that state (in which case the State assumes the financial liability for costs of mandates);
    • Meet the qualified health plan requirements including offering the various actuarial levels of coverage
    • Determine premiums using the rating rules under the Act unless the State has age rating rules less than 3:1  and
    • Meet requirements applicable to the Federal Employees Health Benefit Program that do not conflict with the Act.
    How well did this answer your question? Submit
    Submitting rating...
    Thank you for your feedback!
    An error occurred while trying to submit your feedback.
    Please try again later.
  • The OPM will negotiate terms of coverage with each multi-state plan, including medical-loss ratio, profit margin and premiums, and may prohibit MSPs that fail to meet these terms and conditions from participating in the state exchanges.
    How well did this answer your question? Submit
    Submitting rating...
    Thank you for your feedback!
    An error occurred while trying to submit your feedback.
    Please try again later.
  • The Multi-State Plans will begin in 2014 and will be a one stop shop for individuals and small business owners to compare prices on health plans, buy coverage and obtain federal subsidies.
    How well did this answer your question? Submit
    Submitting rating...
    Thank you for your feedback!
    An error occurred while trying to submit your feedback.
    Please try again later.
  • An MSPP issuer must ensure that the provider network of each of its MSPs, as available to all enrollees, meets the following standards: • is sufficient in number and types of providers to ensure that all services will be accessible to enrollees without unreasonable delay; • is consistent with the network adequacy provisions of section 2702(c) of the Public Health Service Act; and • includes essential community providers in compliance with 45 C.F.R. § 156.235. In addition, an MSPP issuer must make its provider directory for each MSP available to the Exchange for publication online pursuant to guidance from the Exchange and to potential enrollees in hard copy upon request. In the provider directory, an MSPP issuer must identify providers that are not accepting new patients. OPM will issue guidance containing the criteria and standards that it will use to determine the adequacy of a provider network. A draft MSPP application was published September 20, 2012 on Federal Business Opportunities website. OPM accepted comments on the draft MSPP application through October 22, 2012 and is carefully reviewing comments submitted. In this draft application, OPM proposed specific standards for network adequacy. The draft application, Solicitation Number: OPM35-12-R-0006, can be viewed on the Federal Business Opportunities website available at MSPP Draft Application. OPM will publish the final MSPP application in early 2013.
    How well did this answer your question? Submit
    Submitting rating...
    Thank you for your feedback!
    An error occurred while trying to submit your feedback.
    Please try again later.
  • OPM will not be soliciting applications for stand-alone dental plans for participation in the MSPP for the 2014 benefit year.
    How well did this answer your question? Submit
    Submitting rating...
    Thank you for your feedback!
    An error occurred while trying to submit your feedback.
    Please try again later.
  • MSPs will be subject to Federal and State laws with respect to benefit plan material or information, including requirements at proposed 45 C.F.R. § 800.113. Although OPM intends to review and approve policy forms for health insurance coverage, OPM expects MSPP issuers to comply with related State law requirements for policy form review. OPM expects that that few disagreements will arise between OPM and a State regarding policy form review and, if they do, that we will be successful in resolving them in a manner that is acceptable both to OPM and the State at issue. OPM intends to work closely with each State in reviewing forms for the MSPs in that State and will consult with that State as appropriate to ensure that the MSPs are not disruptive to markets.
    How well did this answer your question? Submit
    Submitting rating...
    Thank you for your feedback!
    An error occurred while trying to submit your feedback.
    Please try again later.
  • Section 1334(b)(2) of the Affordable Care Act directs that an MSPP issuer be licensed in each State where it offers an MSP. OPM proposes to clarify that, during each year of the phase-in period, an MSPP issuer need only be licensed in the States where it is offering coverage during that year, and not necessarily in all States.
    How well did this answer your question? Submit
    Submitting rating...
    Thank you for your feedback!
    An error occurred while trying to submit your feedback.
    Please try again later.

Unexpected Error

There was an unexpected error when performing your action.

Your error has been logged and the appropriate people notified. You may close this message and try your command again, perhaps after refreshing the page. If you continue to experience issues, please notify the site administrator.

Working...