The Affordable Care Act and the Multi-State Option
The Affordable Care Act includes a Multi-State plan provision that requires the federal government, specifically the Office of Personnel Management (OPM) to select national health insurance companies to offer health benefit plans on each state's insurance exchange.
The Blue Cross and Blue Shield Association has applied to participate in the Multi-State Plan Program. If selected by OPM for 2014, Blue Cross Blue Shield of Massachusetts (BCBSMA) will offer two Multi-State plans for both Individuals and Small Groups on the Massachusetts Health Connector (the "Exchange" for Massachusetts). Blue Cross Blue Shield of Massachusetts will offer HMOs, one at the Gold tier and one at the Silver tier, for the Multi-State plans.
Over a four-year period, the goal will be to have all 50 states and the District of Columbia have Multi-State plans on their state exchange. Insurers must offer health benefit plans in at least the Gold and Silver levels.
Generally, the Multi-State Plans will meet the same requirements as other qualified health plans (QHPs) on the Exchange. However, some standards may vary. We will also continue to offer QHPs to Individuals and Small Groups on the Massachusetts Health Connector.