Insurance Exchanges

The U.S. Office of Personnel Management (OPM) issued a proposed rule to implement modifications to the Multi-State Plan (MSP) Program based on the experience of the program to date. This proposed rule clarifies the approach used to enforce the applicable requirements of the Affordable Care Act with respect to health insurance issuers that contract with OPM to offer MSP options. This proposed rule amends MSP standards related to coverage area, benefits, and certain contracting provisions under section 1334 of the Affordable Care Act. This document also makes non-substantive technical changes.
 

As an initial step to understanding how the Health Insurance Marketplace is working in its first year of operation, this report provides an overview of health insurance plan premiums available in the Marketplace and the important role of the advanced premium tax credit (“tax credit”) in helping families afford coverage. The report analyzes data on the change in the premium cost associated with the tax credit for plans selected through the Federally-facilitated Marketplace during the initial open enrollment period. It also examines over 19,000 Marketplace plans for 2014 within the four metal levels (bronze, silver, gold, and platinum) for each of the 501 rating areas across 50 states and the District of Columbia. The analysis shows how differences in plan and market characteristics are associated with differences in premiums across the nation.
 

This document contains final regulations relating to requirements for Affordable Insurance Exchanges (Exchanges) to report information on enrollments in qualified health plans, and it directs exchanges to report to the IRS and to taxpayers certain information necessary to reconcile the premium tax credit with advance credit payments and to administer the premium tax credit generally.
 

This is the sixth in a series of issue briefs highlighting national and state-level enrollment-related information for the Health Insurance Marketplace (Marketplace). This brief includes data for State-Based Marketplaces (SBMs), Federally-Facilitated Marketplaces (FFMs), and Marketplaces that are run by states in partnership with the federal government. This brief also includes updated data on the characteristics of persons who have selected a Marketplace plan (by gender, age, and financial assistance status) and the plans that they have selected (by metal level), and it includes self-reported race/ethnicity data on persons who have selected a Marketplace plan through the FFM.
 

This guidance details the special enrollment periods for consumers to enroll in Marketplace coverage after open enrollment closes on March 31. These special enrollment periods include special enrollment periods the Federally-Facilitated Marketplace (FFM) is currently processing that allow a consumer to select a plan outside of the open enrollment period, including life changes, benefit display errors, misrepresentation and some exceptional circumstances.