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Multi-State Plan Program and the
Health Insurance Marketplace


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.

Open enrollment for the Marketplace is now closed for 2014; however, you may still be able to sign up for insurance through the Marketplace if you qualify for a special enrollment period. Otherwise, the next open enrollment period begins on November 15, 2014 for coverage that can begin as early as January 1, 2015.

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.

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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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