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.

Exchange ModelWho performs functions?Where do consumers apply & enroll?Plan Submission System 
Federally-facilitated Exchange (FFE)HHS performs all Exchange functionsHealthCare.gov HIOS
State Performing Plan Management FunctionsStates administer in-person consumer assistance functions; HHS performs remaining Exchange functionsHealthCare.govSERFF & HIOS (for rate filing information)
State-based Exchange on the Federal Platform (SBE-FP)States perform all Exchange functions but use the FFE IT platformHealthCare.govSERFF
State-based Exchange (SBE)States perform all Exchange functionsExchange websites established & maintained by the statesState-specific system
Direct Enforcement State (MO, OK, TX, WY)Contact formfiling@cms.hhs.gov for details on requirements for form filing in these states.