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Multi-State Plan Program and the
Health Insurance Marketplace Consumer




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

Why Should I Choose MSP Coverage?

Multi-State Plan (MSP) coverage is high-quality health insurance backed by the experience of OPM, the agency trusted by millions of Federal employees, retirees, and their families to provide their health insurance.

  • We emphasize wellness and preventive care.
  • We make sure major benefit categories and services are covered.
  • We work with our insurance partners to ensure you receive the coverage you signed up for.
  • If your claims are ever denied, we are here to help you appeal.
  • You have peace of mind knowing that OPM has over 50 years of experience running the Federal Employee Health Benefits Program.
  • We are committed to bringing you better health through higher quality and lower cost care.

Pick a State or use the drop-down menu to view options for the 2016 plan year.

MSP Coverage No MSP Coverage

To choose a Multi-State Plan option that’s right for you, go to



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

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Fact Sheet

The U.S. Office of Personnel Management (OPM) has entered into a contract with the Blue Cross and Blue Shield Association and the Consumer Operated and Oriented Plans (CO-OPs) to offer more than 250 Multi-State Plan (MSP) options in over 30 States, including the District of Columbia, on the Health Insurance Marketplace. The plans will be overseen by OPM, which brings more than 50 years of experience running the Federal Employees Health Benefits Program to the MSP Program.

The Affordable Care Act created the MSP Program to drive competition. MSP options ensure that Americans across the country have access to high-quality health insurance plans with reliable benefits. OPM ensures that these plans have an effective network of providers, a high percent of spending on health care rather than administrative costs, and strong consumer protections.

The MSP Program provides uninsured Americans even more options for affordable coverage that work for them. With the addition of the CO-OPs to the MSP Program, consumers now have additional choices.

MSP options are available through the Health Insurance Marketplace on or, the Spanish version of the site. The Marketplace provides one-stop shopping, where consumers can see health insurance options in one place and find out if they’re eligible for financial assistance.

Open enrollment starts November 1, 2015 and ends January 31, 2016, with coverage beginning as early as January 1, 2016.

Visit or to learn more about the Health Insurance Marketplace. For more information on the Multi-State Plan Program, visit the MSP Program page.

Advisory Board


Section 1334(h) of the Affordable Care Act, authorizes the Director of OPM to “establish an advisory board to provide recommendations on the activities” of the Multi-State Plan (MSP) Program and a “significant percentage of the members of such board shall be comprised of enrollees in a multi-State qualified health plan, or representatives of such enrollees.” The purpose of the MSP Program Advisory Board (“Advisory Board”) is to exchange information, ideas, and recommendations regarding OPM’s administration of the MSP Program, including plan design, branding and marketing, network adequacy, and other topics. Advisory Board meetings will serve as a forum for interactive dialogue and exchange of individual experiences and viewpoints among consumers, consumer representatives, and OPM staff. This forum will serve to better inform OPM’s policy development, rulemaking, and outreach activities with regard to the MSP Program.

MSP Program Advisory Board Members

OPM is proud to announce the members of its new MSP Program Advisory Board:

  • Fadesola Adetosoye, MS, Dell, Inc.
  • Randall Brown, MPA, National Aeronautics and Space Administration (NASA)
  • Darryl Burton, MS, MBA, Centers for Medicare & Medicaid Services (CMS), San Francisco Regional Office
  • Davekumar Chandrasekaran (“Dave Chandra”), Center on Budget and Policy Priorities
  • Cheryl Fish-Parcham, MSW, FamiliesUSA
  • Ken Hall, International Brotherhood of Teamsters
  • Arcelia Hinojosa, Righttime Medical Care
  • Heather Howard, JD, Princeton University
  • Robin Lavender, DuPage County Health Department
  • Sara Lipton-Lubet, JD, National Partnership for Women & Families
  • Chanda McNeal, MPA, Center for Consumer Information & Insurance Oversight, CMS
  • Michael Minor, A.B., Ed.D., National Faith-Based Mobilization Network
  • Chad Moore, JD, MHA, Children's Mercy Hospital
  • Stephen Patrick, MD, MPH, MS, Vanderbilt University
  • Kaye Pestaina, JD, Mercer
  • Stephen Petzinger, Office of Management and Budget (OMB)
  • Gail Post, MA, Group facilitator and counselor
  • Aaron Smith, JD, YI Advisors
  • Michelle Trotter, MPH, BSN, Howard County General Hospital
  • Will “Bear” Velazquez, Federal Aviation Administration

The first Board meeting was held on Thursday, July 30, 2015, in Washington, DC.

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