A Multi-State Plan is a private health insurance plan sold through the Marketplace under a contract between the U.S. Office of Personnel Management (OPM) and an insurance company. OPM is the federal agency that administers health insurance plans for federal employees, retirees, and their families.
Multi-State Plans must include essential health benefits, and generally must cover any additional benefits required by state law. Enrollees in Multi-State Plans are eligible for the same income-based savings as enrollees in other Marketplace plans.
Important: Some Multi-State Plan options offer in-network care out of state, but not all do. Please carefully review the plan’s materials and provider directory to see if providers outside the state or service area are included in the network. Services provided by health care providers outside of a plan’s network usually cost more than services delivered by in-network providers.