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Frequently Asked Questions Insurance

Multi State Plan Program

  • OPM solicited feedback on the MSPP from stakeholders by issuing a Request for Information (RFI) on June 16, 2011. In addition to the RFI, OPM has held meetings and phone calls with stakeholders to seek input and guidance while drafting the notice of proposed rulemaking (NPRM). OPM also published a draft issuer application on Federal Business Opportunities website on September 20, 2012 and solicited comments from the public. The draft application, Solicitation Number: OPM35-12-R-0006, can be viewed on the Federal Business Opportunities website available at MSPP Draft Application. We are reviewing those comments and will issue a final application soon. In addition, OPM leadership has met with staff from the National Indian Health Board and National Council of Urban Indian Health to solicit feedback from Tribes. OPM is also leveraging existing relationships with Tribes by coordinating with staff that handles coverage of Tribal employees in the Federal Employees Health Benefit Program. OPM will also coordinate with HHS in its communication with Tribal Leaders on the Affordable Care Act.
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  • The Affordable Care Act generally requires that MSPs and MSPP issuers comply with all State and Federal laws that apply to QHPs and QHP issuers. However, the Affordable Care Act also grants discretion to the Director to administer the MSPP in a manner that fulfills OPM’s statutory responsibility under section 1334 of the Affordable Care Act. OPM intends to administer the MSPP in a manner that achieves the objectives of the law. It is not possible at this time to identify with specificity the laws that will apply to QHPs and QHP issuers. Therefore, it is not possible to identify any law that OPM deems to be inconsistent with section 1334 of the Affordable Care Act, our proposed regulations, OPM guidance, or OPM’s contracts with MSPP issuers.
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  • While the multi-state plan provision is intended to create nationwide coverage, the insurers are allowed to phase in the coverage, with coverage in 60% of the states in year one, 70% in year two, 85% in year three, and 100% in year four and each subsequent year.
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