The Center for Consumer Information & Insurance Oversight
Health Insurance Marketplace Public Use Files (Marketplace PUF)
The Centers for Medicare & Medicaid Services (CMS) Center for Consumer Information and Insurance Oversight (CCIIO) is committed to increasing transparency in the Health Insurance Marketplace. While health plan information including benefits, copayments, premiums, and geographic coverage is publically available on Healthcare.gov, CMS has also released downloadable public use files (PUFs) so that researchers and other stakeholders can more easily access Marketplace data.
The Health Insurance Marketplace Public Use Files (Marketplace PUF) are being shared before the start of the Marketplace open enrollment period in order to support timely benefit and rate analysis. It is important to note that the Marketplace PUF will be updated regularly to reflect the plan data that consumers will see when shopping for a Marketplace Qualified Health Plan (QHP).
The Marketplace PUF includes plan and issuer level information for certified Qualified Health Plans (QHPs) and stand-alone dental plans (SADPs) offered to individuals and small businesses through the HIM. The Marketplace PUF includes data from 37 states, including those participating in the Federally Facilitated Marketplaces (FFM), which include State Partnership Marketplaces (SPMs), and states whose State-based Marketplaces rely on the federal information technology platform for QHP eligibility and enrollment functionality. The Marketplace PUF does not contain any data on plans offered in states that established and operate their own Marketplace (State-based Marketplace) and do not rely on the federal platform for QHP eligibility and enrollment functionality, nor does it contain enrollment or claims data.
The Marketplace PUF consists of seven separate files as described below:
- Benefits and Cost Sharing PUF (BenCS-PUF) – Plan-level data on essential health benefits, coverage limits, and cost sharing.
- Rate PUF (Rate-PUF) – Plan-level data on individual rates based on an eligible subscriber’s age, tobacco use, and geographic location.
- Plan Attributes PUF (Plan-PUF) – Plan-level data on maximum out of pocket payments, deductibles, cost sharing, HSA eligibility, formulary ID, and other plan attributes.
- Business Rules PUF (BR-PUF) – Plan-level data on the application of rates, such as allowed relationships (e.g., spouse, dependents) and tobacco use.
- Service Area PUF (SA-PUF) – Issuer-level data on the geographic coverage or service area (i.e., where the plan is offered) including state, county, and zip code.
- Network (Ntwrk-PUF) – Issuer-level data identifying provider network URLs.
- Plan ID Crosswalk PUF (CW-PUF) – Plan-level data mapping plans offered in 2014 to plans offered in 2015.
For more information about the Marketplace PUF, please review the General Information Factsheet and Data Disclaimer-User Agreement.
To access and download each PUF and its respective Data Dictionary, click on the associated links in the Downloads section below.
Downloads
2015 Marketplace PUF Datasets & Data Dictionaries
Before you download
The Benefits and Cost Sharing PUF and the Rate PUF datasets included in the zip files are extremely large and may be burdensome to download and/or cause computer performance issues. Downloading the files with the assistance of the Akamai Download Manager application should make downloading the data easier by offering the option to pause and restart downloading to minimize resource allocation impact. Be advised that the file size, once downloaded, may still be prohibitive if you are not using a robust data viewing application. Microsoft Excel has limitations on the number of records it can display, which these two files exceed.Benefits and Cost Sharing PUF
Download without Akamai Download Manager
Rate PUF
Download without Akamai Download Manager
