{"data":{"id":"us/45-cfr-800.20","jurisdiction":"us","citation":"45 CFR 800.20","heading":"Definitions.","body":"For purposes of this part:\nActuarial value (AV) has the meaning given that term in 45 CFR 156.20.\nAffordable Care Act means the Patient Protection and Affordable Care Act (Pub. L. 111-148), as amended by the Health Care and Education Reconciliation Act of 2010 (Pub. L. 111-152).\nApplicant means an issuer or group of issuers that has submitted an application to OPM to be considered for participation in the Multi-State Plan Program.\nBenefit plan material or information means explanations or descriptions, whether printed or electronic, that describe a health insurance issuer's products. The term does not include a policy or contract for health insurance coverage.\nCost sharing has the meaning given that term in 45 CFR 155.20.\nDirector means the Director of the United States Office of Personnel Management.\nEHB-benchmark plan has the meaning given that term in 45 CFR 156.20.\nExchange means a governmental agency or non-profit entity that meets the applicable requirements of 45 CFR part 155 and makes qualified health plans (QHPs) and MSP options available to qualified individuals and qualified employers. Unless otherwise identified, this term refers to State Exchanges, regional Exchanges, subsidiary Exchanges, and a Federally-facilitated Exchange.\nFederal Employees Health Benefits Program or FEHB Program means the health benefits program administered by the United States Office of Personnel Management pursuant to chapter 89 of title 5, United States Code.\nGroup of issuers means:\n(1) A group of health insurance issuers that are affiliated either by common ownership and control or by common use of a nationally licensed service mark (as defined in this section); or\n(2) An affiliation of health insurance issuers and an entity that is not an issuer but that owns a nationally licensed service mark (as defined in this section).\nHealth insurance coverage means benefits consisting of medical care (provided directly, through insurance or reimbursement, or otherwise) under any hospital or medical service policy or certificate, hospital or medical service plan contract, or health maintenance organization contract offered by a health insurance issuer. Health insurance coverage includes group health insurance coverage, individual health insurance coverage, and short-term, limited duration insurance.\nHealth insurance issuer or issuer means an insurance company, insurance service, or insurance organization (including a health maintenance organization) that is required to be licensed to engage in the business of insurance in a State and that is subject to State law that regulates insurance (within the meaning of section 514(b)(2) of the Employee Retirement Income Security Act (ERISA)). This term does not include a group health plan as defined in 45 CFR 146.145(a).\nHHS means the United States Department of Health and Human Services.\nLevel of coverage means one of four standardized actuarial values of plan coverage as defined by section 1302(d)(1) of the Affordable Care Act.\nLicensure means the authorization obtained from the appropriate State official or regulatory authority to offer health insurance coverage in the State.\nMulti-State Plan option or MSP option means a discrete pairing of a package of benefits with particular cost sharing (which does not include premium rates or premium rate quotes) that is offered pursuant to a contract with OPM pursuant to section 1334 of the Affordable Care Act and meets the requirements of 45 CFR part 800.\nMulti-State Plan Program or MSP Program means the program administered by OPM pursuant to section 1334 of the Affordable Care Act.\nMulti-State Plan Program issuer or MSP issuer means a health insurance issuer or group of issuers (as defined in this section) that has a contract with OPM to offer health plans pursuant to section 1334 of the Affordable Care Act and meets the requirements of this part.\nNationally licensed service mark means a word, name, symbol, or device, or any combination thereof, that an issuer or group of issuers uses consistently nationwide to identify itself.\nNon-profit entity means:\n(1) An organization that is incorporated under State law as a non-profit entity and licensed under State law as a health insurance issuer; or\n(2) A group of health insurance issuers licensed under State law, a substantial portion of which are incorporated under State law as non-profit entities.\nOPM means the United States Office of Personnel Management.\nPercentage of total allowed cost of benefits has the meaning given that term in 45 CFR 156.20.\nPlan year means a consecutive 12-month period during which a health plan provides coverage for health benefits. A plan year may be a calendar year or otherwise.\nPrompt payment means a requirement imposed on a health insurance issuer to pay a provider or enrollee for a claimed benefit or service within a defined time period, including the penalty or consequence imposed on the issuer for failure to meet the requirement.\nQualified Health Plan or QHP means a health plan that has in effect a certification that it meets the standards described in subpart C of 45 CFR part 156 issued or recognized by each Exchange through which such plan is offered pursuant to the process described in subpart K of 45 CFR part 155.\nRating means the process, including rating factors, numbers, formulas, methodologies, and actuarial assumptions, used to set premiums for a health plan.\nSecretary means the Secretary of the Department of Health and Human Services.\nSHOP means a Small Business Health Options Program operated by an Exchange through which a qualified employer can provide its employees and their dependents with access to one or more qualified health plans (QHPs).\nSilver plan variation has the meaning given that term in 45 CFR 156.400.\nSmall employer means, in connection with a group health plan with respect to a calendar year and a plan year, an employer who employed an average of at least one but not more than 100 employees on business days during the preceding calendar year and who employs at least one employee on the first day of the plan year. In the case of plan years beginning before January 1, 2016, a State may elect to define small employer by substituting “50 employees” for “100 employees.”\nStandard plan has the meaning given that term in 45 CFR 156.400.\nState means each of the 50 States or the District of Columbia.\nState Insurance Commissioner means the commissioner or other chief insurance regulatory official of a State.\nState-level issuer means a health insurance issuer designated by the Multi-State Plan (MSP) issuer to offer an MSP option or MSP options. The State-level issuer may offer health insurance coverage through an MSP option in all or part of one or more States.","path":["Title 45—Public Welfare","Subtitle B—Regulations Relating to Public Welfare","CHAPTER VIII—OFFICE OF PERSONNEL MANAGEMENT","PART 800—MULTI-STATE PLAN PROGRAM","Subpart A—General Provisions and Definitions"],"source_url":"https://www.ecfr.gov/api/versioner/v1/full/2026-08-25/title-45.xml","current_through":"2026-08-25","vintage":"","retrieved_at":"2026-08-27T02:26:21Z","sha256":"59459b40446d86d6064b42e2c57aa048fd2ed982a7ecbbc94c479a985c013e8d","source_id":"us-cfr","stale":true,"prev":"us/45-cfr-800.10","next":"us/45-cfr-800.101"},"notice":"GroundRules: Original legal text. Not legal advice."}