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Federal Healthcare Benefits

Multicolor background with red, purple, blue and white. Blue stripe at the top that says in white text: Federal Benefits Open Season is here! In the middle in large blue text it: Open Season 2016. Underneath in smaller text it says November 14,2016 - December 12, 2016. Icons are below with a tooth, eye, medical symbol, RX Stethoscope, heart and heartbeat symbol and an ear. OPM.GOV in red text at the bottom right corner.

Federal Benefits Open Season is here! Each year, we encourage all eligible employees and retirees to review their health, dental, vision, and dependent care needs and to make changes to or enroll in one of the available benefit programs. Open Season is the time to make choices you generally cannot make at any other time of the year.

Remember, all health, dental, or vision plans are not alike. Open Season is about exercising your ability to choose the benefits that best meet you and your family’s needs. You have between now and December 12 to make your benefit decisions. Here is a link to learn more about the Federal Benefits Open Season.

The Federal Employees Health Benefits (FEHB) Program

The FEHB Program covers over 8.2 million employees, retirees, and their families all across this country. For 2017, there will be 245 health plans available, with 15 of them available nationwide. And remember, all FEHB Plans now offer the opportunity to enroll in a Self Plus One enrollment type. This option allows you to cover yourself and one eligible family member who you designate, such as a spouse or child. If you did not take advantage of Self Plus One last year, you can do so for 2017. You can learn more about the FEHB Program on our dedicated Federal Benefits Open Season webpage.

Federal Employees Dental and Vision Insurance Program (FEDVIP)

For 2017, FEDVIP offers 10 dental plans, six of which are nationwide plans. There are also four vision plans, all available nationwide. Coverage under a FEDVIP dental or vision plan is a great way to fill in the gaps of any health plan coverage you now have or to help pay for services that are not covered or available under your FEHB health plan. Some highlights: FEDVIP offers adult orthodontia. In-network Class A dental services, such as oral exams, prophylaxis and topical application of fluoride, are free. And, you can enroll in a self-only vision plan for less than $3 per pay period. As always, check plan brochures for specific coverage and compare plans. You can learn more about FEDVIP on the Federal Benefits Open Season webpage.

Federal Flexible Spending Account Program (FSAFEDS)

While retirees are not eligible to enroll, most employees are eligible. You should check with your agency’s human resources office to verify your eligibility. For those who are eligible, FSAFEDS offers three accounts to choose from: a health care account; a limited expense health care account; and a dependent care account. Participation in these accounts allows you to lower your taxable income by setting aside pre-tax money to pay for eligible health, dental, vision, and dependent care expenses, such as co-pays, prescription drug costs, orthodontics, eyeglasses, and child/elder care. As a reminder, there is now a “carry over” provision under which enrollees can carry over up to $500 of unused Health Care FSA money into the following year. This means that you won’t have to forfeit money you don’t use by the end of the calendar year. To take advantage of the carry over of 2016 funds, you must re-enroll for 2017.

To learn more about FSAs, how much you can contribute, how much you can save, and changes for the 2017 benefit period, head over to our Federal Benefits Open Season webpage.

Don’t forget, you have until December 12 to review your needs and those of your family and to make the choices that are right for you.  


Today, I am excited to announce that the overall average premium increase for employee health benefits provided through the Federal Employees Health Benefits Program will be 3.2 percent for 2015.

The health insurance increase means employees with self-only coverage will pay an average $2.93 more in each bi-weekly pay period. Employees with family coverage can expect an average increase of $6.89 per pay period. The actual premium increases depend on which plans they choose.

These rate increases are proof that OPM continues to provide Federal employees, retirees and their families with the best possible coverage options. The FEHB Program delivers competitive rates and high quality benefits through an efficiently run system. These benefits also help us to attract and retain top talent in the Federal service. In 2015, there will be 257 health plans, with 11 of them available nationwide.

Also, as a result of the President’s Affordable Care Act, the FEHB program covers more than 400,000 young people between the ages of 22 and 26 under their parents’ plans. The ACA has not only expanded coverage for uninsured Americans, it has increased competition and accountability. Those improvements, along with the increased efficiency in the health care system, have resulted in lower cost increases in the FEHB and elsewhere. The FEHB Program offers comprehensive preventive services at no cost, also mandated by the ACA. And many plans provide incentives for participation in wellness activities. 

This fall’s Open Season for health, dental and vision insurance, as well as for the flexible spending accounts, will be from November 10 to December 8. During that time, employees and retirees will have the chance to review their current plans and make any changes they desire for the following year. Eligible employees who are not currently a part of FEHB may also enroll for the first time. I urge all Federal employees to take this time to review their plan choices and decide what is best for their families.

This is also the first time employees will be able to enroll in the flexible spending account program for just a $100 minimum deposit. And for the first time, participants in the health care flexible spending account will be able to carry up to $500 of unused funds into the following year.

More detailed breakdowns of the FEHB Program premium rates and the FEDVIP rates are available at OPM.gov. Employees can also use some handy comparison tools on the site to find the plan that works best for them.

It is so important to me that everyone in our Federal family has the peace of mind to know that they and their loved ones are protected and covered for life’s health emergencies and for the preventive care that helps keeps us all safe and secure. I’m happy to report that once again, your FEHB Program is providing these benefits at a cost that is affordable to our deserving, hard-working Federal workforce.

Info graphic sharing that the average premiums increase for Federal employee health benefits in 2015 is 3.2 percent.


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