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Multi-State Plan Program - U S Government Printing Office - gpo 2025

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The document outlines a proposed rule by the U.S. Office of Personnel Management (OPM) to establish the Multi-State Plan Program (MSPP) under the Patient Protection and Affordable Care Act. The MSPP aims to provide at least two multi-State health insurance plans on each Affordable Insurance Exchange across all states and the District of Columbia, enhancing competition and consumer choice in the health insurance market. The proposed regulations detail requirements for health insurance issuers, including compliance with federal and state laws, premium negotiations, benefits packages, and oversight mechanisms to ensure quality and accountability. Stakeholder input is encouraged as part of the implementation process.

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What are the advantages of group plans?

The primary advantage of a group plan is that it spreads risk across a pool of insured individuals. This benefits the group members by keeping premiums low, and insurers can better manage risk when they have a clearer idea of who they are covering.

Is an exchange plan a Medicaid plan?

State exchange plans, part of the Affordable Care Act (ACA), are available to residents who do not have access to affordable health insurance through an employer and are not covered by Medicare or Medicaid.

What does exchange plan mean in health insurance?

Each state has a health insurance exchange, established under the Affordable Care Act (ACA). State health insurance exchanges allow individuals and in some states, small businesses to compare numerous health insurance plans side-by-side, and purchase the coverage that best fits their needs.

What is the federal exchange?

People can purchase health insurance that complies with the Patient Protection and Affordable Care Act (ACA, known colloquially as Obamacare) at ACA health exchanges, where they can choose from a range of government-regulated and standardized health care plans offered by the insurers participating in the exchange.

What is a federal or state exchange plan?

State-based health insurance is sold via state health insurance exchanges. A state-based health insurance exchange is an insurance marketplace where the state provides the infrastructure, the website, and the customer support for individuals and small businesses to purchase state-based plans.

Is there insurance that covers multiple states?

Multi-State Plan options are offered, along with other approved plans, on the Health Insurance Marketplace. The Marketplace is a one-stop shop where you can compare prices on health plans, buy coverage, and obtain Federal subsidies if you qualify for them.

What is a multi-state plan?

The Multi-State Plan (MSP) Program, established under the Affordable Care Act, directed OPM to contract with private health issuers to offer health insurance plans called MSP options. MSP options were offered through the Health Insurance Marketplace (Marketplace or exchange) from 2014 through 2018.

Multi-State Plan Program - U S Government Printing Office - gpo 2025

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