Home › Benefits › FEDVIP 2027 premiums
Direct answer: FEDVIP 2027 premiums are out: OPM says dental rises 1.0% and vision 1.6% on average. Self-only dental runs $13.07 to $74.71 a month by plan and area, and vision $7.28 to $14.56 nationwide. Open Season runs Nov. 9 to Dec. 14, 2026; changes start Jan. 1, 2027.
By the numbers: 2027 self-only monthly premiums: dental $13.07-$74.71 across 20 options outside Puerto Rico (Triple-S Salud in Puerto Rico: $13.02); vision $7.28-$14.56. Source: OPM FEDVIP 2027 premium files
“Overall average dental premium increase: 1.0%” — OPM, Open Season Highlights for Plan Year 2027
Updated 2026-10-17
Nov. 9 through Dec. 14, 2026. For FEDVIP it ends at 11:59 pm Eastern time on Monday, Dec. 14 (OPM). Changes take effect Jan. 1, 2027. TRICARE.mil lists the same Dec. 14 end date for military families enrolling in FEDVIP; TRICARE's own health plan Open Season ends earlier, on Dec. 8.
On average 1.0% for dental and 1.6% for vision, according to OPM. Individual plans differ: some vision options didn't change (BCBS FEP Vision Standard, both VSP options), and some dental rates went down slightly. The finder shows your plan's change.
It depends on where you live. Dental premiums vary by rating area. For self only, the lowest 2027 monthly premium outside Puerto Rico is $13.07 (Dominion National - Standard, rating region 1); the highest is $74.71 (EmblemHealth Dental - High). Compare deductibles, annual maximums and waiting rules, not just the premium.
Yes. OPM says retired members of the uniformed services and National Guard/Reserve, including gray-area retirees under 60, and their families can get FEDVIP dental. If they're enrolled in a TRICARE health plan, they can also get FEDVIP vision. Active duty family members enrolled in a TRICARE health plan can get FEDVIP vision only.
Yes, if you retire on an immediate annuity or for disability under CSRS, FERS or another federal retirement system. Unlike FEHB, there's no rule that you must have had the coverage for 5 years before retiring. Coverage ends if you take an MRA+10 retirement and postpone your annuity; you can enroll again when the annuity starts (OPM).
No. FEDVIP coverage continues into 2027 if you make no changes (OPM). Only FSAFEDS requires a new election each year. Open Season is when you can enroll, change plans or cancel without a qualifying life event.
Per OPM: deferred annuitants, per diem employees, former spouses of civilian employees or annuitants, FEHB Temporary Continuation of Coverage enrollees, insurable-interest annuitants who aren't eligible family members, tribal employees, and employees who transfer to an international organization.
As of Oct. 17, 2026 · OPM 2027 FEDVIP rate files · Open Season Nov. 9 - Dec. 14, 2026
Use Open Season (Nov. 9 to Dec. 14, 2026) to check your FEDVIP price, even if you plan to keep your plan. Your coverage rolls into 2027 automatically, but dental prices vary a lot by plan and area, and 2027 rates are already posted.
The math:
Sources: OPM FEDVIP premiums · OPM news release · OPM Open Season · OPM FEDVIP eligibility
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Every 2027 dental and vision plan option with OPM's own premiums (OPM FEDVIP premiums). Dental prices depend on the rating area (state, sometimes the first 3 ZIP digits); vision is one national price.
Veterans who aren't military retirees: see VADIP (VA dental insurance).
| Vision plan | Self Only | Self Plus One | Self & Family | Self Only vs 2026 |
|---|---|---|---|---|
| Aetna Vision Preferred - High | $12.37 | $24.68 | $37.05 | +$0.06 |
| Aetna Vision Preferred - Standard | $7.28 | $14.54 | $21.82 | +$0.41 |
| BCBS FEP Vision - High | $12.61 | $25.20 | $37.81 | +$0.35 |
| BCBS FEP Vision - Standard | $7.71 | $15.43 | $23.14 | $0.00 |
| MetLife Federal Vision - High | $12.18 | $24.33 | $36.51 | +$0.20 |
| MetLife Federal Vision - Standard | $8.21 | $16.42 | $24.64 | +$0.26 |
| UnitedHealthcare Vision Plan - High | $12.83 | $25.63 | $38.46 | +$0.46 |
| UnitedHealthcare Vision Plan - Standard | $8.39 | $16.77 | $25.16 | +$0.29 |
| VSP Vision Care - High | $14.56 | $29.16 | $43.75 | $0.00 |
| VSP Vision Care - Standard | $7.76 | $15.51 | $23.29 | $0.00 |
Monthly premiums from OPM's 2027 vision rate file; 2026 from OPM's 2026 file (OPM FEDVIP premiums). Employees paying through payroll see the biweekly amount in the finder.
Dental premiums depend on the carrier's rating region for where you live. This is each option's lowest and highest self-only monthly premium across the rating regions OPM's chart actually assigns. Use the finder for your area and enrollment type.
| Dental plan | Lowest area | Highest area |
|---|---|---|
| Aetna Dental - High | $39.50 | $55.49 |
| Aetna Dental - Standard | $24.53 | $34.32 |
| BCBS FEP Dental - High | $42.27 | $62.49 |
| BCBS FEP Dental - Standard | $22.75 | $33.71 |
| Delta Dental FEDP - High | $39.67 | $59.15 |
| Delta Dental FEDP - Standard | $23.68 | $33.61 |
| Dominion National - High | $22.04 | $32.52 |
| Dominion National - Standard | $13.07 | $19.22 |
| EmblemHealth Dental - High | $74.71 | $74.71 |
| EmblemHealth Dental - Standard | $45.85 | $45.85 |
| GEHA Connection Dental Federal - High | $41.10 | $61.17 |
| GEHA Connection Dental Federal - Standard | $23.44 | $34.67 |
| Humana Dental - High | $46.63 | $69.14 |
| Humana Dental - Standard | $25.37 | $37.16 |
| MetLife Federal Dental - High | $40.76 | $56.12 |
| MetLife Federal Dental - Standard | $24.03 | $31.66 |
| Triple-S Salud - High | $13.02 | $13.02 |
| United Concordia Dental - High | $41.30 | $61.60 |
| United Concordia Dental - Standard | $25.50 | $37.85 |
| UnitedHealthcare Dental Plan - High | $48.51 | $72.41 |
| UnitedHealthcare Dental Plan - Standard | $27.21 | $40.43 |
From OPM's 2027 FEDVIP benefits file (OPM 2027 FEDVIP benefits file). Coinsurance is the share of the plan's allowance you pay. Dominion National and Humana Standard use a copay schedule; OPM shows an approximate percentage. Several plans cover only in network. Check the plan brochure for frequency limits, exclusions and out-of-network rules before you pick.
| Dental plan option | Deductible per person | Annual maximum per person | You pay: preventive | You pay: basic | You pay: major | You pay: orthodontics | Orthodontic lifetime maximum |
|---|---|---|---|---|---|---|---|
| Aetna Dental - High | $0 | Unlimited | 0% | 30% | 60% | 40% | $2000 Per Person No Age Limit No Waiting Period |
| Aetna Dental - Standard | $50 | $1,500 | 0% | 45% | 65% | 50% | $2000 Per Person No Age Limit No Waiting Period |
| BCBS FEP Dental - High | $0 | No Maximum | 0% | 30% 0% Children Up To Age 13 | 50% 0% Children Up To Age 13 | 50% | $3500 Per Person No Waiting Period No Age Limit |
| BCBS FEP Dental - Standard | $0 | $1,500 | 0% | 45% 0% Children Up To Age 13 | 65% 0% Children Up To Age 13 | 50% | $2500 Per Person No Waiting Period No Age Limit |
| Delta Dental FEDP - High | $0 | Unlimited | 0% | 30% | 50% | 50% | $3500 Per Child Up to Maximum Eligibility $2000 Per Adult (Member and Spouse Only) No Waiting Period |
| Delta Dental FEDP - Standard | $0 | $1,500 | 0% | 45% | 65% | 50% | $2000 Per Child Up to Maximum Eligibility No Waiting Period |
| Dominion National - High | $0 | No Maximum | Amt. In Copayment Schedule (Approx 0%) $10 | Amt. In Copayment Schedule (Approx 11%) $10 | Amt. In Copayment Schedule (Approx 27%) $10 | Amt. In Copayment Schedule (Approx 56%) | No Lifetime Per Person Max No Waiting Period No Age Limit |
| Dominion National - Standard | $0 | No Maximum | Amt. In Copayment Schedule (Approx 0%) $10 | Amt. In Copayment Schedule (Approx 28%) $10 | Amt. In Copayment Schedule (Approx 37%) $10 | Amt. In Copayment Schedule (Approx 56%) | No Lifetime Per Person Max No Waiting Period No Age Limit |
| EmblemHealth Dental - High | $0 | No Maximum | 0% | 0% | 0% | 0% | $4000 Per Person No Age Limit No Waiting Period |
| EmblemHealth Dental - Standard | $0 | No Maximum | 0% | 0% + Amt. Over Plan Allowance | 0% + Amt. Over Plan Allowance | 0% | $3000 Per Person No Age Limit No Waiting Period |
| GEHA Connection Dental Federal - High | $0 | Unlimited | 0% | 20% | 50% | 30% | $3500 Per Person No Waiting Period No Age Limit |
| GEHA Connection Dental Federal - Standard | $0 | $2,500 | 0% | 45% | 65% | 50% | $2500 Per Person No Waiting Period No Age Limit |
| Humana Dental - High | $50 | Unlimited | 0% | 20% | 50% | 50% | $2500 Per Person No Waiting Period No Age Limit |
| Humana Dental - Standard | $0 | Unlimited | Amt. In Copayment Schedule (Approx 0%) In-Network Only | Amt. In Copayment Schedule (Approx 25%) In-Network Only | Amt. In Copayment Schedule (Approx 40%) In-Network Only | Amt. In Copayment Schedule (Approx 60%) In-Network Only | No Lifetime Per Person Max No Waiting Period No Age Limit In-Network Only |
| MetLife Federal Dental - High | $0 | No Maximum | 0% | 30% | 50% | 50% | $3500 Per Child Up to Maximum Eligibility $3000 Per Adult (Member and Spouse Only) No Waiting Period |
| MetLife Federal Dental - Standard | $0 | $2,000 | 0% | 45% | 65% | 50% | $1500 Per Person Children Up To Max Eligibility No Waiting Period $1500 Per Adult (Member and Spouse Only) |
| Triple-S Salud - High | $0 | No Maximum | 0% In-Network Only | 15% In-Network Only | 50% In-Network Only | 50% | $2000 Per Person No Age Limit |
| United Concordia Dental - High | $0 | No Maximum | 0% | 20% | 50% | 50% | $3000 Per Person No Age Limit No Waiting Period |
| United Concordia Dental - Standard | $0 | $1,000 | 0% | 45% | 65% | 50% | $1500 Per Child Up to Age 19 No Waiting Period |
| UnitedHealthcare Dental Plan - High | $0 | Unlimited | 0% | 30% | 50% | 50% | $2000 Per Adult $4000 Per Child Up to Maximum Eligibility No Age Limit No Waiting Period |
| UnitedHealthcare Dental Plan - Standard | $0 | $1,500 | 0% | 45% | 65% | 50% | $2000 Per Person No Age Limit No Waiting Period |
How we built this: every premium comes from OPM's own 2027 FEDVIP files (dental rates for 21 plan options by rating region, vision rates for 10 options, and the dental rating region chart: 130 rows by state or ZIP prefix), downloaded Oct. 17, 2026. The 2026 comparison uses OPM's 2026 files; OPM's 2027 rating chart is identical to 2026's, so each change compares the same area. Per year = monthly x 12 or biweekly x 26. The finder runs in your browser with the same lookup as the server-side check. No quotes, no personal pricing.
Facts and math, not advice. VaultRubric isn't OPM, BENEFEDS or any carrier, and we're not paid by any FEDVIP carrier. Check the plan brochure before you enroll.
Nov. 9 through Dec. 14, 2026. For FEDVIP it ends at 11:59 pm Eastern time on Monday, Dec. 14 (OPM). Changes take effect Jan. 1, 2027. TRICARE.mil lists the same Dec. 14 end date for military families enrolling in FEDVIP; TRICARE's own health plan Open Season ends earlier, on Dec. 8.
On average 1.0% for dental and 1.6% for vision, according to OPM. Individual plans differ: some vision options didn't change (BCBS FEP Vision Standard, both VSP options), and some dental rates went down slightly. The finder shows your plan's change.
It depends on where you live. Dental premiums vary by rating area. For self only, the lowest 2027 monthly premium outside Puerto Rico is $13.07 (Dominion National - Standard, rating region 1); the highest is $74.71 (EmblemHealth Dental - High). Compare deductibles, annual maximums and waiting rules, not just the premium.
Yes. OPM says retired members of the uniformed services and National Guard/Reserve, including gray-area retirees under 60, and their families can get FEDVIP dental. If they're enrolled in a TRICARE health plan, they can also get FEDVIP vision. Active duty family members enrolled in a TRICARE health plan can get FEDVIP vision only.
Yes, if you retire on an immediate annuity or for disability under CSRS, FERS or another federal retirement system. Unlike FEHB, there's no rule that you must have had the coverage for 5 years before retiring. Coverage ends if you take an MRA+10 retirement and postpone your annuity; you can enroll again when the annuity starts (OPM).
No. FEDVIP coverage continues into 2027 if you make no changes (OPM). Only FSAFEDS requires a new election each year. Open Season is when you can enroll, change plans or cancel without a qualifying life event.
Per OPM: deferred annuitants, per diem employees, former spouses of civilian employees or annuitants, FEHB Temporary Continuation of Coverage enrollees, insurable-interest annuitants who aren't eligible family members, tribal employees, and employees who transfer to an international organization.
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.
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