What are multi-state plans?

The Multi-State Plan (MSP) Program was established under the ACA to provide consumers with additional coverage options in the health insurance exchanges. A multi-state plan is one that has been approved by the U.S. Office of Personnel Management (OPM), a federal government agency, to be sold through the exchanges. As they are offered through the exchanges, consumers who purchase such plans qualify for APTC. The OPM is the same agency that administers the health plan for federal government employees.

Under the MSP Program, the OPM contracts with private health insurers in each state to offer high-quality, affordable health insurance options called Multi-State Plans. These plans are subject to the same requirements as other qualified plans offered in the exchange, including the consumer protection laws of the purchaser’s state.