The Federally Facilitated Marketplace (FFM) is an organized marketplace for health insurance plans operated by the U.S. Department of Health and Human Services (HHS). The FFM opened for enrollments starting October 1, 2013. The Federally Facilitated Marketplace is established in a state by the HHS Secretary for states that chose not to set up their own marketplace or did not get approval for one.§1321(c) of ACA
Individuals (i.e. citizens of a state) and employers will have the ability to find and purchase Qualified Health Plans through the FFM and its partners. Individuals will be able to qualify for and receive Advance Premium Tax Credits (APTC) which can be used to subsidize their premium obligations. Individuals can also qualify for Cost Sharing Reductions (CSRs) which would reduce their out-of-pocket expenses for healthcare.
Participating states Twenty-two states opted to participate in the FFM. Three states opted to partner with the FFM. Nineteen states opted to set up their State-Based Marketplace (SBM).
Federally Facilitated Marketplaces The following 23 states are Federally Facilitated Marketplaces:
Alabama Alaska Arizona Florida Indiana Kansas Louisiana Maine Mississippi Missouri Montana Nebraska North Carolina North Dakota Ohio Oklahoma South Carolina South Dakota Tennessee Texas Utah Wisconsin Wyoming
Partnership Marketplaces The following 3 states are Partnership Marketplaces. In Partnership Marketplaces, states retain certain essential functionality for operating an insurance marketplace.
Arkansas Georgia Oregon
State-Based Marketplaces (SBM) Manage Marketplace functions, but rely on Healthcare.gov platform to manage their eligibility and enrollment functions. The following 19 states are SBMs:
California Colorado Connecticut District of Columbia Idaho Kentucky Maine Maryland Massachusetts Minnesota Nevada New Jersey New Mexico New York Pennsylvania Rhode Island Vermont Virginia Washington
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