Home › Benefits › FEHB premiums 2027
Direct answer: FEHB enrollees will pay 10.9% more on average for their share of 2027 premiums, OPM says; PSHB enrollees 8.2% more. Blue Cross Standard self only rises to $204.65 every two weeks for employees (+$16.33). Open Season runs Nov. 9 to Dec. 14, 2026.
By the numbers: 2027 FEHB nationwide plans, self only, employee share every two weeks: $69.04 (Compass Rose Health Plan Standard Option) to $308.98 (SAMBA High). Source: OPM 2027 FEHB rate charts
“Average enrollee share increase: 10.9% (down from 12.3% in 2026)” — OPM, Open Season Highlights for Plan Year 2027
Updated 2026-10-17
OPM says the average enrollee share of FEHB premiums rises 10.9% in 2027 (12.3% in 2026). The overall average premium rises 9.3% and the government's contribution 8.6%. For PSHB (Postal Service), enrollee shares rise 8.2% on average and total premiums 6.7%. Your plan's change can be much higher or lower; the finder shows it.
Nov. 9 through Dec. 14, 2026. For FEHB and PSHB it ends at 11:59 pm (in the time zone of your electronic enrollment system) on Monday, Dec. 14 (OPM). Changes take effect Jan. 10, 2027 for non-Postal employees, and Jan. 1, 2027 for annuitants and PSHB enrollees.
For FEHB employees, self only: $204.65 every two weeks (+$16.33 vs 2026); Self & Family: $496.90 (+$39.24). Retirees pay monthly: $443.41 self only and $1,076.61 Self & Family. Basic Option self only is $145.46 every two weeks.
The lesser of 72% of the program-wide weighted average premium or 75% of your plan's premium. In 2027 that caps the government share at $352.04 every two weeks for Self Only, $767.53 for Self Plus One and $843.82 for Self & Family ($762.75, $1,662.98 and $1,828.28 a month). PSHB caps: $318.23, $689.34 and $748.55 every two weeks.
OPM lists nine: Independent Health Standard and HDHP, Blue Care Network of Michigan - Southeast High, UHC Choice Primary West High, UHC Choice Plus Primary West High, and four Health Net of California options. If you're in one and don't pick a new plan, OPM enrolls you in Compass Rose Standard. In PSHB, UnitedHealthcare Choice Plus Primary Postal East ends; its default is FEP Blue Focus.
Yes. OPM says in some plans the enrollee share for Self Plus One is higher than for Self & Family, and you may pick either one to cover one family member. Among nationwide FEHB plans that's true for 2027 in Foreign Service Benefit Plan High, Panama Canal Area Benefit Plan and MHBP Standard. The finder flags it.
No. OPM says health, dental and vision enrollment continues automatically unless you make a change (only FSAFEDS needs a new election each year). New for 2027: if you add a family member during Open Season, you must send documents proving that person is eligible.
As of Oct. 17, 2026 · OPM 2027 FEHB + PSHB rate charts · Open Season Nov. 9 - Dec. 14, 2026
Look up your plan's 2027 share before Dec. 14, 2026, even if you plan to stay. Enrollment rolls over automatically, but 2027 changes range from a cut to a big jump, and the cheapest plan in your state may have changed.
The math:
Sources: OPM FEHB premiums · OPM PSHB premiums · OPM 2027 highlights · OPM Open Season
A best fit for the situation described, not financial advice or a buy/sell recommendation. Partner links never change a pick.
Every plan option in OPM's 2027 rate charts (OPM FEHB premiums · OPM PSHB premiums), sorted by what you pay. Nationwide plans are open in every state; regional HMOs are listed by state.
Your share of the premium for each nationwide (fee-for-service) FEHB option, cheapest self-only first. Employees pay every two weeks; retirees pay monthly. From OPM's 2027 FEHB rate chart (OPM FEHB premiums). Some plans limit who can join; the brochure says who may enroll.
| Nationwide plan | Self Only (2 weeks) | Change | Self & Family (2 weeks) | Change | Self Only monthly |
|---|---|---|---|---|---|
| Compass Rose Health Plan Standard Option | $69.04 | +$7.40 | $165.69 | +$17.75 | $149.58 |
| Blue Cross and Blue Shield FEP Blue Focus | $74.16 | +$7.35 | $175.35 | +$17.38 | $160.69 |
| GEHA Indemnity Benefit Plan Elevate Option | $77.92 | $0.00 | $228.85 | $0.00 | $168.83 |
| GEHA HDHP | $81.62 | $0.00 | $215.63 | $0.00 | $176.84 |
| GEHA Standard Option | $86.75 | $0.00 | $231.45 | $0.00 | $187.95 |
| APWU Health Plan Consumer Driven Option | $102.63 | +$2.01 | $243.34 | +$4.78 | $222.36 |
| SAMBA Standard | $135.87 | +$13.01 | $280.66 | +$23.18 | $294.39 |
| Foreign Service Benefit Plan High Option | $143.75 | +$43.39 | $382.65 | +$134.38 | $311.46 |
| Blue Cross and Blue Shield Basic Option | $145.46 | +$11.69 | $387.54 | +$30.68 | $315.17 |
| Compass Rose Health Plan High Option | $149.97 | +$9.91 | $361.03 | +$23.46 | $324.94 |
| MHBP Standard Option | $153.11 | +$59.22 | $400.78 | +$182.58 | $331.74 |
| GEHA High Option | $168.01 | -$27.28 | $459.39 | -$65.79 | $364.03 |
| APWU Health Plan High Option | $191.92 | +$51.76 | $461.61 | +$123.89 | $415.83 |
| Blue Cross and Blue Shield Standard Option | $204.65 | +$16.33 | $496.90 | +$39.24 | $443.41 |
| Panama Canal Area Benefit Plan FFS Plan with a POS Option | $256.25 | -$49.33 | $437.78 | -$112.27 | $555.21 |
| GEHA Indemnity Benefit Plan Elevate Plus Option | $262.63 | +$57.50 | $634.19 | +$138.07 | $569.04 |
| SAMBA High | $308.98 | +$82.89 | $742.68 | +$198.63 | $669.46 |
Your share of the premium for each nationwide (fee-for-service) PSHB option, cheapest self-only first. Employees pay every two weeks; retirees pay monthly. From OPM's 2027 PSHB rate chart (OPM PSHB premiums). Some plans limit who can join; the brochure says who may enroll.
| Nationwide plan | Self Only (2 weeks) | Change | Self & Family (2 weeks) | Change | Self Only monthly |
|---|---|---|---|---|---|
| NALC Consumer Driven Health Plan (CDHP) | $80.53 | +$13.42 | $198.26 | +$33.05 | $174.48 |
| MHBP Value Plan | $83.22 | +$12.82 | $206.73 | +$36.58 | $180.30 |
| Blue Cross Blue Shield Service Benefit Plan FEP Blue Focus | $84.17 | +$9.02 | $199.03 | +$21.33 | $182.38 |
| GEHA Employee Organization Standard Option | $84.77 | $0.00 | $225.18 | $0.00 | $183.67 |
| GEHA Employee Organization HDHP | $84.88 | $0.00 | $224.27 | $0.00 | $183.92 |
| APWU Health Plan Consumer Driven Option | $100.21 | +$9.11 | $237.61 | +$21.60 | $217.13 |
| NALC High Option | $116.06 | -$5.08 | $270.37 | +$2.95 | $251.46 |
| MHBP Standard Option | $137.78 | +$45.69 | $372.83 | +$158.83 | $298.52 |
| Blue Cross Blue Shield Service Benefit Plan Basic Option | $139.94 | +$12.35 | $385.46 | +$27.94 | $303.20 |
| APWU Health Plan High Option | $142.97 | +$35.82 | $358.28 | +$82.34 | $309.77 |
| Rural Carrier Benefit Plan High Option | $179.37 | +$21.13 | $339.96 | +$39.70 | $388.63 |
| Blue Cross Blue Shield Service Benefit Plan Standard Option | $196.30 | +$6.20 | $490.62 | +$11.41 | $425.32 |
OPM notes that in some plans the enrollee share for Self Plus One is higher than for Self & Family, and anyone covering one family member may pick either (OPM FEHB premiums). In 2027 OPM's list has 39 FEHB and 24 PSHB entries. Nationwide examples: Foreign Service Benefit Plan High Option ($429.35 vs $382.65 every two weeks); MHBP Standard Option ($442.77 vs $400.78 every two weeks); Panama Canal Area Benefit Plan FFS Plan with a POS Option ($457.87 vs $437.78 every two weeks). The finder marks it when you pick Self Plus One.
How we built this: every premium comes from OPM's own 2027 rate charts (FEHB nationwide + HMO, PSHB nationwide + HMO), downloaded Oct. 17, 2026. We checked that government share + your share = total premium on every row, and that the largest government share equals OPM's published maximum. Change vs 2026 is OPM's own column. Per year = biweekly x 26 or monthly x 12. The finder runs in your browser with the same lookup as the server-side check.
Facts and math, not advice. VaultRubric isn't OPM or any health plan, and no plan pays us. Premium is one part of cost; check the brochure for deductibles, out-of-pocket limits and networks.
OPM says the average enrollee share of FEHB premiums rises 10.9% in 2027 (12.3% in 2026). The overall average premium rises 9.3% and the government's contribution 8.6%. For PSHB (Postal Service), enrollee shares rise 8.2% on average and total premiums 6.7%. Your plan's change can be much higher or lower; the finder shows it.
Nov. 9 through Dec. 14, 2026. For FEHB and PSHB it ends at 11:59 pm (in the time zone of your electronic enrollment system) on Monday, Dec. 14 (OPM). Changes take effect Jan. 10, 2027 for non-Postal employees, and Jan. 1, 2027 for annuitants and PSHB enrollees.
For FEHB employees, self only: $204.65 every two weeks (+$16.33 vs 2026); Self & Family: $496.90 (+$39.24). Retirees pay monthly: $443.41 self only and $1,076.61 Self & Family. Basic Option self only is $145.46 every two weeks.
The lesser of 72% of the program-wide weighted average premium or 75% of your plan's premium. In 2027 that caps the government share at $352.04 every two weeks for Self Only, $767.53 for Self Plus One and $843.82 for Self & Family ($762.75, $1,662.98 and $1,828.28 a month). PSHB caps: $318.23, $689.34 and $748.55 every two weeks.
OPM lists nine: Independent Health Standard and HDHP, Blue Care Network of Michigan - Southeast High, UHC Choice Primary West High, UHC Choice Plus Primary West High, and four Health Net of California options. If you're in one and don't pick a new plan, OPM enrolls you in Compass Rose Standard. In PSHB, UnitedHealthcare Choice Plus Primary Postal East ends; its default is FEP Blue Focus.
Yes. OPM says in some plans the enrollee share for Self Plus One is higher than for Self & Family, and you may pick either one to cover one family member. Among nationwide FEHB plans that's true for 2027 in Foreign Service Benefit Plan High, Panama Canal Area Benefit Plan and MHBP Standard. The finder flags it.
No. OPM says health, dental and vision enrollment continues automatically unless you make a change (only FSAFEDS needs a new election each year). New for 2027: if you add a family member during Open Season, you must send documents proving that person is eligible.
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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