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.