State Exchange Models

A state’s Exchange model determines which online system(s) issuers must use to submit their QHP Application, who performs the certification, and who sends certification notifications.

State Exchange Models

Exchange Model	Who performs functions?	Where do consumers apply & enroll?	Submission System(s)*
Federally-facilitated Exchange (FFE)*	HHS performs all Exchange functions	HealthCare.gov	HIOS MPMS Module & SERFF (for rate filing information)**
State Performing Plan Management Functions	States administer in-person consumer assistance functions; HHS performs remaining Exchange functions	HealthCare.gov	SERFF & HIOS MPMS Module
State-based Exchange on the Federal Platform (SBE-FP)	States perform all Exchange functions but use the FFE IT platform	HealthCare.gov	SERFF & HIOS MPMS Module
State-based Exchange (SBE)	States perform all Exchange functions	Exchange websites established & maintained by the states	State-specific system

* The following states have notified CMS that they do not have the authority to enforce or are not otherwise enforcing the Affordable Care Act market reform provisions: Missouri, Oklahoma, Texas, and Wyoming. Issuers in these states must submit form filings to CMS for review. Contact formfiling@cms.hhs.gov for details on requirements for form filing in these states.