The Multi-State Plan Program (MSPP) is another creation of the Affordable Care Act. It requires the U.S. Office of Personnel Management (OPM) to contract with health insurance carriers to offer health plans on insurance exchanges throughout the country, although the carriers have a number of years before they must offer plans in every state. OPM has administered federal employee health benefits for decades for millions of beneficiaries, and it was just revealed that the Blue Cross Blue Shield Association has signed a contract with OPM to offer over 150 different health plans in 30 states plus the District of Columbia. As with other plans offered on the exchanges, MSPP plans will have to cover the essential health benefits. AOTA is a member of the Habilitation Benefit Coalition, which has met with OPM officials to advocate for robust coverage of habilitative services, including occupational therapy. This is a positive development for occupational therapy consumers, as some states had only one carrier offering plans on their exchanges. Now consumers in states like West Virginia and New Hampshire will have more choices to access coverage that best meets their needs, and practitioners will not be limited to a single carrier's network.