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Frequently Asked Questions Insurance

How does OPM select Multi-State Plan insurers?

In order to be approved to offer one or more Multi-State Plan options, an insurer, among other things, must—

  • meet requirements for qualified health plans under the Affordable Care Act;
  • offer a package of “essential health benefits”; and
  • determine premiums using the rating rules under the Affordable Care Act except that if the state has more protective age rating requirements, defer to the state age rating rules.

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