Patient Protection and Affordable Care Act; Establishment of the Multi-State Plan Program for the Affordable Insurance Exchanges

The Office of Personnel Management’s proposed rule change to the Multi-State Plan Program for the affordable insurance exchanges created through the Affordable Care Act will make entry into the MSP program relatively harder for for-profit insurers and small insurers. The change may lead to further consolidation through providing a competitive advantage to large insurers, and consolidation of the health insurance industry may lead to decreased competition and higher prices.

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