Welcome to the Qualified Health Plan Website

This is the official Centers for Medicare & Medicaid Services’ website for issuers seeking certification to participate in the Federally-facilitated Exchanges (FFEs). As defined in the Affordable Care Act (ACA), a qualified health plan (QHP) is an insurance plan that is certified by the Health Insurance Marketplace, provides essential health benefits (EHBs), follows established limits on cost sharing, and meets other requirements outlined within the application process. The QHP Application, materials, and other resources are available on this site to facilitate the certification process.

/s/PY2025TimelineGraphic.png?v=2Select any of the hyperlinked icons below to access key webpages containing guidance for issuers seeking certification.







News and Updates

On April 15, 2024, the CMS posted final PY2025 QHP Application templates, instructions and supporting documents, and review tools to the QHP certification website. Issuers applying for certification for QHPs, including SADPs, should use these materials when applying for PY2025 certification to participate in the FFE. These materials reflect the guidance detailed in the final 2025 HHS Notice of Benefit and Payment Parameters (“Payment Notice”), and the final 2025 Letter to Issuers in the Federally-facilitated Exchanges, which CMS released on April 2, 2024 and April 10, 2024, respectively.