Enroll in health insurance
- See if you qualify for a Special Enrollment Period
- Coverage options outside Open Enrollment
- Marketplace tips
- Dental coverage
- Medicaid & CHIP
- How to apply and enroll
- Picking a plan
- Catastrophic plans & exemptions
Change or cancel plans
Multi-State Plan
A type of plan offered in the Health Insurance Marketplace®. Despite the name, “multi-state plans” don’t necessarily have network providers or cover services in multiple states. If you want a plan that does, carefully read any Marketplace plan’s documents and provider directory.
The Affordable Care Act created the Multi-State Plan program to increase choice and competition in insurance markets nationwide. The plans are sold through the Marketplace under a contract between the U.S. Office of Personnel Management (OPM) and insurance companies.
The name “Multi-State Plan” means only that OPM operates the program in multiple states. Some Multi-State Plans offer in-network coverage nationally or in multiple states. Many don’t.
Learn more about Multi-State Plans from OPM.