If you are retired and in FEHB or PSHB, your health premium comes out of your annuity every month. Here is what each plan costs in 2027, straight from OPM's 2027 rate tables, and what to add once Medicare Part B is in the picture. Open Season, the window to switch, runs November 9 to December 14, 2026.
What a retiree pays
- The enrollee share, monthly. OPM's rate tables give two figures for each plan: the government share and the enrollee share. Employees see the enrollee share biweekly; retirees pay the monthly enrollee share, deducted from the annuity. OPM states its maximum government contribution for "most employees and annuitants" as one number, so most retirees pay the same share as an employee in the same plan.
- Three enrollment types. Self Only covers you; Self Plus One covers you and one family member, usually a spouse; Self and Family covers everyone eligible. Self Plus One is not always cheaper than Self and Family: OPM flags the plans where it costs more.
- The code matters. Each plan option has a three-character enrollment code per enrollment type. Your annuity statement shows yours; the tables below list each option's Self Only code to help you find your row.
What changed for 2027
OPM's 2027 Open Season Highlights put the average enrollee-share increase at 10.9% for FEHB and 8.2% for PSHB (overall premiums: 9.3% and 6.7%). Averages hide a wide spread: some plans rose much more, and a few went down. Compare your 2027 row with the deduction on your current annuity statement to see your own change. The Open Season 2027 guide covers the plans that are leaving and the other changes.
FEHB plans sold nationwide, 2027 (monthly, annuitant share)
| Plan (Self Only code) | Self Only | Self Plus One | Self and Family |
|---|---|---|---|
| Aetna: HDHP/Aetna Direct/Aetna Advantage: Aetna Advantage (Z24) | $152.60 | $335.72 | $404.37 |
| Aetna: HDHP/Aetna Direct/Aetna Advantage: Aetna Direct (N61) | $200.01 | $438.66 | $504.42 |
| Aetna: HDHP/Aetna Direct/Aetna Advantage: Aetna HealthFund HDHP (224) | $385.69 | $820.65 | $704.92 |
| APWU Health Plan: Consumer Driven Option (474) | $222.36 | $483.29 | $527.23 |
| APWU Health Plan: High Option (471) | $415.83 | $811.87 | $1,000.15 |
| Blue Cross and Blue Shield: Basic Option (111) | $315.17 | $759.38 | $839.67 |
| Blue Cross and Blue Shield: FEP Blue Focus (131) | $160.69 | $345.44 | $379.93 |
| Blue Cross and Blue Shield: Standard Option (104) | $443.41 | $974.76 | $1,076.61 |
| Compass Rose Health Plan: High Option (421) | $324.94 | $729.93 | $782.23 |
| Compass Rose Health Plan: Standard Option (424) | $149.58 | $329.09 | $359.00 |
| Foreign Service Benefit Plan: High Option (401) | $311.46 | $930.26 | $829.07 |
| GEHA Indemnity Benefit Plan: Elevate Option (254) | $168.83 | $407.31 | $495.85 |
| GEHA Indemnity Benefit Plan: Elevate Plus Option (251) | $569.04 | $1,254.39 | $1,374.08 |
| GEHA: HDHP (341) | $176.84 | $380.18 | $467.19 |
| GEHA: High Option (311) | $364.03 | $815.95 | $995.34 |
| GEHA: Standard Option (314) | $187.95 | $404.11 | $501.47 |
| MHBP: Standard Option (454) | $331.74 | $959.34 | $868.35 |
| SAMBA: High (441) | $669.46 | $1,487.96 | $1,609.14 |
| SAMBA: Standard (444) | $294.39 | $573.39 | $608.10 |
Aetna's HealthFund CDHP and Value Plan are priced by region in OPM's table, so they appear in the next table with the states each price applies to. FEHB's local HMOs (sold in one area) are not listed here; find yours in OPM's HMO rate table.
FEHB: Aetna options priced by region
| Plan (Self Only code) | Self Only | Self Plus One | Self and Family |
|---|---|---|---|
| Aetna HealthFund CDHP and Aetna Value Plan: Aetna HealthFund CDHP (F51)Alabama, Arkansas, District of Columbia, Florida, Georgia, Louisiana, Maryland, North Carolina, Tennessee, Virginia, West Virginia | $704.67 | $1,649.77 | $1,517.60 |
| Aetna HealthFund CDHP and Aetna Value Plan: Aetna HealthFund CDHP (JS1)Alaska, California, Hawaii, Indiana, Ohio, Oklahoma, South Carolina, Texas, Wisconsin | $909.55 | $2,111.31 | $1,983.78 |
| Aetna HealthFund CDHP and Aetna Value Plan: Aetna HealthFund CDHP (G51)Arizona, Colorado, Kansas, Michigan, Missouri, Nevada, New Mexico, South Dakota, Utah, Washington | $810.86 | $1,890.94 | $1,761.11 |
| Aetna HealthFund CDHP and Aetna Value Plan: Aetna HealthFund CDHP (EP1)Connecticut, Delaware, Maine, Massachusetts, New Hampshire, New Jersey, New York, Rhode Island, Vermont | $906.58 | $2,106.31 | $1,978.75 |
| Aetna HealthFund CDHP and Aetna Value Plan: Aetna HealthFund CDHP (H41)Idaho, Illinois, Iowa, Kentucky, Minnesota, Mississippi, Montana, Nebraska, North Dakota, Oregon, Pennsylvania, Wyoming | $792.14 | $1,846.93 | $1,715.95 |
| Aetna HealthFund CDHP and Aetna Value Plan: Value Plan (F54)Alabama, Arkansas, District of Columbia, Florida, Georgia, Louisiana, Maryland, North Carolina, Tennessee, Virginia, West Virginia | $733.16 | $1,695.40 | $1,597.37 |
| Aetna HealthFund CDHP and Aetna Value Plan: Value Plan (JS4)Alaska, California, Hawaii, Indiana, Ohio, Oklahoma, South Carolina, Texas, Wisconsin | $1,136.75 | $2,630.49 | $2,507.96 |
| Aetna HealthFund CDHP and Aetna Value Plan: Value Plan (G54)Arizona, Colorado, Kansas, Michigan, Missouri, Nevada, New Mexico, South Dakota, Utah, Washington | $624.07 | $1,451.02 | $1,347.90 |
| Aetna HealthFund CDHP and Aetna Value Plan: Value Plan (EP4)Connecticut, Delaware, Maine, Massachusetts, New Hampshire, New Jersey, New York, Rhode Island, Vermont | $1,003.39 | $2,302.00 | $2,216.04 |
| Aetna HealthFund CDHP and Aetna Value Plan: Value Plan (H44)Idaho, Illinois, Iowa, Kentucky, Minnesota, Mississippi, Montana, Nebraska, North Dakota, Oregon, Pennsylvania, Wyoming | $835.41 | $1,932.71 | $1,839.35 |
PSHB plans for postal retirees, 2027 (monthly, annuitant share)
Available nationwide
| Plan (Self Only code) | Self Only | Self Plus One | Self and Family |
|---|---|---|---|
| Aetna: HDHP, Aetna Direct, Aetna Advantage: Aetna Advantage (HLD) | $131.56 | $289.43 | $348.64 |
| APWU Health Plan: Consumer Driven Option (23D) | $217.13 | $471.92 | $514.82 |
| APWU Health Plan: High Option (23A) | $309.77 | $604.78 | $776.27 |
| Blue Cross Blue Shield Service Benefit Plan: Basic Option (33A) | $303.20 | $737.27 | $835.16 |
| Blue Cross Blue Shield Service Benefit Plan: FEP Blue Focus (35A) | $182.38 | $392.07 | $431.24 |
| Blue Cross Blue Shield Service Benefit Plan: Standard Option (33D) | $425.32 | $944.36 | $1,063.01 |
| GEHA Employee Organization: HDHP (39A) | $183.92 | $395.43 | $485.91 |
| GEHA Employee Organization: Standard Option (37D) | $183.67 | $394.90 | $487.90 |
| MHBP Standard Option (73D) | $298.52 | $857.85 | $807.80 |
| MHBP Value Plan (73A) | $180.30 | $433.72 | $447.91 |
| NALC Health Benefit Plan: NALC Consumer Driven Health Plan (CDHP) (77D) | $174.48 | $396.83 | $429.56 |
| NALC Health Benefit Plan: NALC High Option (77A) | $251.46 | $628.33 | $585.80 |
| Rural Carrier Benefit Plan: High Option (79A) | $388.63 | $751.75 | $736.58 |
Regional plans and regional prices
| Plan (Self Only code) | Self Only | Self Plus One | Self and Family |
|---|---|---|---|
| Aetna: CDHP and Value: Aetna HealthFund CDHP (L7A)Alabama, Arkansas, District of Columbia, Florida, Georgia, Louisiana, Maryland, North Carolina, Tennessee, Virginia, West Virginia | $556.92 | $1,320.24 | $1,220.11 |
| Aetna: CDHP and Value: Aetna HealthFund CDHP (JDA)Alaska, California, Hawaii, Indiana, Ohio, Oklahoma, South Carolina, Texas, Wisconsin | $1,235.04 | $2,850.10 | $2,765.29 |
| Aetna: CDHP and Value: Aetna HealthFund CDHP (GRA)Arizona, Colorado, Kansas, Michigan, Missouri, Nevada, New Mexico, South Dakota, Utah, Washington | $958.32 | $2,227.98 | $2,136.85 |
| Aetna: CDHP and Value: Aetna HealthFund CDHP (KDA)Connecticut, Delaware, Maine, Massachusetts, New Hampshire, New Jersey, New York, Rhode Island, Vermont | $965.68 | $2,243.71 | $2,152.78 |
| Aetna: CDHP and Value: Aetna HealthFund CDHP (HHA)Idaho, Illinois, Iowa, Kentucky, Minnesota, Mississippi, Montana, Nebraska, North Dakota, Oregon, Pennsylvania, Wyoming | $494.00 | $1,177.95 | $1,075.84 |
| Aetna: CDHP and Value: Aetna Value Plan (L7D)Alabama, Arkansas, District of Columbia, Florida, Georgia, Louisiana, Maryland, North Carolina, Tennessee, Virginia, West Virginia | $683.11 | $1,587.86 | $1,521.24 |
| Aetna: CDHP and Value: Aetna Value Plan (JDD)Alaska, California, Hawaii, Indiana, Ohio, Oklahoma, South Carolina, Texas, Wisconsin | $821.56 | $1,921.90 | $1,827.67 |
| Aetna: CDHP and Value: Aetna Value Plan (GRD)Arizona, Colorado, Kansas, Michigan, Missouri, Nevada, New Mexico, South Dakota, Utah, Washington | $722.47 | $1,676.87 | $1,611.93 |
| Aetna: CDHP and Value: Aetna Value Plan (KDD)Connecticut, Delaware, Maine, Massachusetts, New Hampshire, New Jersey, New York, Rhode Island, Vermont | $1,064.31 | $2,443.57 | $2,394.12 |
| Aetna: CDHP and Value: Aetna Value Plan (HHD)Idaho, Illinois, Iowa, Kentucky, Minnesota, Mississippi, Montana, Nebraska, North Dakota, Oregon, Pennsylvania, Wyoming | $725.62 | $1,690.28 | $1,625.67 |
| Aetna: HDHP, Aetna Direct, Aetna Advantage: Aetna HealthFund HDHP (G3D)Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico | $509.23 | $1,098.78 | $1,022.28 |
| Aetna: HDHP, Aetna Direct, Aetna Advantage: Aetna HealthFund HDHP and Aetna Direct Plan (G3A)Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico | $192.91 | $423.07 | $486.50 |
| Aetna: Open Access HMO and Aetna Saver: Aetna Open Access - Basic Option (G8D)District of Columbia, Maryland, Virginia | $292.24 | $618.61 | $678.32 |
| Aetna: Open Access HMO and Aetna Saver: Aetna Open Access - High Option (G8A)District of Columbia, Maryland, Virginia | $1,058.00 | $2,396.16 | $2,306.85 |
| Aetna: Open Access HMO and Aetna Saver: Aetna Saver (HXD)District of Columbia, Maryland, Virginia | $166.91 | $350.78 | $381.99 |
| CAREFIRST BLUECHOICE, INC.: Blue Value Plus (K4D)District of Columbia, Maryland, Virginia | $342.85 | $571.11 | $830.96 |
| CAREFIRST BLUECHOICE, INC.: HDHP (K4A)District of Columbia, Maryland, Virginia | $219.31 | $438.63 | $521.09 |
| Health Alliance Plan of Michigan: High Option (J5A)Michigan | $455.61 | $1,140.17 | $1,172.19 |
| Health Alliance Plan of Michigan: Standard Option (J5D)Michigan | $175.28 | $403.15 | $427.68 |
| HealthPartners: High Option (KGA)Iowa, Minnesota, North Dakota, South Dakota | $263.01 | $611.50 | $698.47 |
| HealthPartners: Standard Option (KGD)Iowa, Minnesota, North Dakota, South Dakota | $160.72 | $355.20 | $391.52 |
| HMSA Plan: High Option (M6A)Hawaii | $220.20 | $482.48 | $495.01 |
| HMSA Plan: Standard Option (M6D)Hawaii | $140.49 | $307.78 | $315.79 |
| Kaiser Permanente - Colorado: High Option (M8A)Colorado | $264.79 | $663.09 | $725.68 |
| Kaiser Permanente - Colorado: Prosper (NCA)Colorado | $127.54 | $288.24 | $313.75 |
| Kaiser Permanente - Colorado: Standard Option (M8D)Colorado | $181.50 | $410.19 | $446.48 |
| Kaiser Permanente - Fresno California: High Option (NNA)California | $335.92 | $876.40 | $748.11 |
| Kaiser Permanente - Fresno California: Prosper (CPA)California | $161.31 | $372.82 | $372.82 |
| Kaiser Permanente - Fresno California: Standard Option (NND)California | $220.71 | $546.89 | $510.11 |
| Kaiser Permanente - Georgia: High Option (PFA)Georgia | $312.02 | $769.88 | $641.59 |
| Kaiser Permanente - Georgia: Prosper (QZA)Georgia | $142.11 | $321.18 | $368.97 |
| Kaiser Permanente - Georgia: Standard Option (PFD)Georgia | $186.41 | $421.27 | $421.27 |
| Kaiser Permanente - Hawaii: High Option (PKA)Hawaii | $179.25 | $392.55 | $403.31 |
| Kaiser Permanente - Hawaii: Standard Option (PKD)Hawaii | $123.90 | $271.34 | $278.77 |
| Kaiser Permanente - Mid-Atlantic States: Kaiser Permanente PSHB Mid-Atlantic High (RAA)District of Columbia, Maryland, Virginia | $264.44 | $700.51 | $572.22 |
| Kaiser Permanente - Mid-Atlantic States: Prosper (NWA)District of Columbia, Maryland, Virginia | $128.06 | $305.95 | $360.29 |
| Kaiser Permanente - Mid-Atlantic States: Standard Option (RAD)District of Columbia, Maryland, Virginia | $185.37 | $426.35 | $426.35 |
| Kaiser Permanente - Northern California: High Option (TBA)California | $433.74 | $1,187.72 | $1,059.43 |
| Kaiser Permanente - Northern California: Prosper (UDA)California | $186.83 | $437.18 | $437.18 |
| Kaiser Permanente - Northern California: Standard Option (TBD)California | $226.77 | $629.01 | $530.64 |
| Kaiser Permanente - Northwest: High Option (UZA)Oregon, Washington | $230.53 | $496.82 | $567.82 |
| Kaiser Permanente - Northwest: Prosper (YRA)Oregon, Washington | $115.60 | $249.69 | $288.99 |
| Kaiser Permanente - Northwest: Standard Option (UZD)Oregon, Washington | $194.55 | $420.24 | $463.05 |
| Kaiser Permanente - Southern California: High Option (Y3A)California | $231.40 | $634.79 | $532.09 |
| Kaiser Permanente - Southern California: Prosper (MBA)California | $110.45 | $265.09 | $303.75 |
| Kaiser Permanente - Southern California: Standard Option (Y3D)California | $159.53 | $352.55 | $385.94 |
| Kaiser Permanente - Washington Core: High Option (PRA)Idaho, Washington | $553.28 | $1,240.53 | $1,112.24 |
| Kaiser Permanente - Washington Core: Prosper (DWD)Idaho, Washington | $133.61 | $265.39 | $306.78 |
| Kaiser Permanente - Washington Core: Standard Option (PRD)Idaho, Washington | $217.66 | $508.93 | $500.62 |
| Kaiser Permanente Washington Options Federal: HDHP (H9D)Washington | $168.23 | $373.45 | $373.45 |
| Kaiser Permanente Washington Options Federal: Standard Option (H9A)Washington | $197.75 | $438.99 | $438.99 |
| Medical Mutual of Ohio: Basic Option (D3A)Ohio | $139.22 | $306.28 | $334.14 |
| Medical Mutual of Ohio: Standard Option (D3D)Ohio | $928.94 | $2,067.00 | $2,262.39 |
| TakeCare Insurance Company, Inc.: HDHP Option (HJA)Guam, Northern Mariana Islands, Palau | $25.40 | $61.34 | $68.12 |
| TakeCare Insurance Company, Inc.: High Option (G4A)Guam, Northern Mariana Islands, Palau | $140.43 | $280.76 | $403.74 |
| TakeCare Insurance Company, Inc.: Standard Option (G4D)Guam, Northern Mariana Islands, Palau | $85.26 | $171.01 | $281.70 |
| Triple-S Salud, Inc: High (83A)Puerto Rico, U.S. Virgin Islands | $122.49 | $275.03 | $280.50 |
| UnitedHealthcare Insurance Company, Inc. - Choice Plus Primary Postal West: High (KEA)Arizona, Nevada, Oregon, Washington | $215.06 | $462.38 | $508.61 |
| UPMC Health Plan: High Deductible Health Plan (HDHP) Option (G9A)Pennsylvania | $163.22 | $425.74 | $451.45 |
| UPMC Health Plan: Standard Option (G9D)Pennsylvania | $175.11 | $471.79 | $502.91 |
All figures: OPM's 2027 FEHB and PSHB rate tables, "Monthly, Employee/Annuitant pays", downloaded again and checked on November 1, 2026 (no change since October 27). The Panama Canal Area Benefit Plan is left out: it serves the Panama Canal area. Some plans also need a union membership (APWU, MHBP, NALC, Rural Carrier) or have other enrollment limits; the plan's brochure says which.
Add Medicare Part B if you have it
Part B is a separate Medicare premium, usually taken from your Social Security benefit, not your annuity. At the 2026 standard rate it is $202.90 a month per person, and more if your income is high enough for IRMAA. CMS hadn't published the 2027 amount when we checked on November 1, 2026; it usually does in November, and our 2027 IRMAA page switches to the official figures once it does.
A married couple on Self Plus One where both have Part B pays the plan's Self Plus One share once, plus two Part B premiums. For postal retirees, Part B may not be optional: see the PSHB Part B requirement.
The premium is only half the cost
A cheap plan can cost more over a year once you add its deductible and copays. With Medicare paying first, many plans drop those, and a few pay part of the Part B premium back. See which plans waive costs with Medicare and which pay toward Part B.
What this page can't tell you
- Whether a plan's doctors and hospitals near you are in its network: check the plan's provider directory.
- Drug costs. Each brochure has its formulary and drug tiers; most plans also enroll Medicare members in a Part D drug plan.
- Your total for the year. That depends on your premium, whether you have Part B, how much care you use, and what your plan waives with Medicare. Our free FEHB/PSHB check tells you whether Part B is required for you and what it costs with IRMAA; the report then adds each plan's 2027 premium and cost-sharing into one yearly figure, with and without Part B.
Should you take Part B with FEHB or PSHB in 2027?.Start the free FEHB/PSHB check