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Multi-State Plan Program and the
Health Insurance Marketplace



If you are enrolled in FEHB coverage, you don’t need a Marketplace plan to meet Affordable Care Act coverage standards.

The Multi-State Plan (MSP) Program, established under the Affordable Care Act, directs OPM to contract with private health insurers in each State to offer high-quality, affordable health insurance options called Multi-State Plans. MSP coverage is offered through the Health Insurance Marketplace, where financial assistance is available to those who qualify.

You can select an MSP option during the open enrollment period, which starts on November 1, 2016, for coverage beginning as early as January 1, 2017.

OPM has efficiently administered the Federal Employees Health Benefits (FEHB) Program for over 50 years, keeping administrative costs low while providing strong consumer protections. Drawing on this experience, OPM will provide strong oversight of MSP insurers and work to ensure a level playing field in the Marketplace.

Please note that although “multi-state” implies portable coverage or the ability to get in-network care out of state, not all MSP options provide such coverage. You will want to review your plan’s out-of-network payment policies or provider directory carefully.

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Explore Multi-State Plan options by State and browse Frequently Asked Questions.

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Access issuer resources, including a Notice of Intent to Apply, application, and sub-regulatory guidance.

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