The Workplace of Personnel Administration (OPM) launched yesterday the 2026 premiums for the Federal Worker Well being Advantages Program (FEHB) and the Federal Workers Dental and Imaginative and prescient Insurance coverage Program (FEDVIP).
Federal staff and retirees share of 2026 FEHB premiums will improve — on common — by 12.3%. That is the one other double-digit improve following a 13.5% soar in 2025. Enrollees in PSHB — this system for USPS staff and annuitants — will see an 11.3% improve, on common, of their 2026 medical health insurance premiums.
In line with OPM, dental protection (the Federal Workers Dental and Imaginative and prescient Insurance coverage Program — or FEDVIP) will improve 3.3% on common. Imaginative and prescient premiums will improve by a mean of 0.5% subsequent yr.
It is necessary for FEHB enrollees to notice that the 12.3% premium improve is a mean. Particular person federal staff and retirees could pay roughly, relying on the well being plan chosen. The federal authorities pays about 75% of a FEHB participant’s premium and about 72% of the weighted common of the earlier yr’s federal staff FEHB medical health insurance premiums.
Federal Advantages Open Season is November 10 by way of December 8, 2025. The annual open season provides federal staff and different eligible people the chance to assessment their FEHB and imaginative and prescient/dental (FEDVIP) plan choices, make adjustments, and enroll for the upcoming profit yr that begins January 1, 2026.
2026 FEHB Premium Price Charts from OPM
The 2026 FEHB premium price charts under from the Workplace of Personnel Administration present info on biweekly and month-to-month premiums, together with the full premiums, the quantity the federal government pays, and the change within the enrollee’s portion of the premium in comparison with final yr. All FEHB plans provide Self Solely, Self Plus One, and Self and Household enrollment varieties.
Please word: At the moment, OPM has solely offered 2026 FEHB premium price charts in Microsoft Excel information (.xlsx). On-line FEHB plan comparability instruments will probably be obtainable in early November.
Self Plus One Enrollee Premiums Better Than Self and Household
In some instances, the enrollee share of premiums for the Self Plus One enrollment sort will probably be larger than for the Self and Household enrollment sort. Enrollees who want to cowl one eligible member of the family are free to elect both the Self and Household or Self Plus One enrollment sort. The chart under identifies these plans.
Federal Workers Well being Advantages (FEHB)
The 2026 biweekly most authorities contribution for many staff and annuitants (72% of the weighted common) is $324.76 for Self Solely, $711.17 for Self Plus One, and $778.03 for Self and Household. The month-to-month most authorities contribution (72% of the weighted common) is $703.65 for Self Solely, $1,540.87 for Self Plus One and $1,685.73 for Self and Household.
For 2026, the biweekly program-wide weighted common premiums for Self Solely, Self Plus One, and Self and Household enrollments with a authorities contribution are $451.05, $987.73, and $1,080.60, respectively. The month-to-month program-wide weighted common premiums for Self Solely, Self Plus One, and Self and Household enrollments with a authorities contribution are $977.28, $2,140.08, and $2,341.30, respectively.
HMO (Regional Plans with Particular Service Areas)
FFS (Payment-for-Service/Nationwide Plans)
All different 2026 FEHB premium price info is obtainable on OPM’s web site.
Postal Service Well being Advantages (PSHB) Program
Extra info from OPM on PSHB is right here.
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2026 FEDVIP Premiums
2026 FEHB Plan Comparability Instruments Coming Quickly
OPM’s on-line 2026 FEHB plan comparability device will probably be obtainable in early November and can assist enrollees store for protection. It’s going to comprise extra particular plan info.
