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Healthcare & Insurance Multi-State Plan Program and the
Health Insurance Marketplace


If you are enrolled in a Federal Employees Health Benefits (FEHB) plan, you should not be enrolled in, or covered by, a Multi-State Plan (MSP Option).


The Multi-State Plan (MSP) Program, established under the Affordable Care Act, directs OPM to contract with private health issuers to offer health insurance plans called MSP options. MSP options are offered through the Health Insurance Marketplace (Marketplace or exchange) 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, 2017, for coverage beginning January 1, 2018.

OPM has 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 has provided oversight of the MSP Program, since 2014. 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 should carefully review the MSP option’s out-of-network payment policies and provider directory.


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


Access issuer resources, including sub-regulatory guidance.

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