FEHB Open Season 2027

All 2027 FEHB plans

118 plan options with their 2027 premiums, deductibles and out-of-pocket maximums, from OPM's public data. Plans differ by where you live, so start with the comparison tool to see only the plans offered to you, with an estimated yearly total for each.

What changed from 2026 to 2027

OPM's figure: on average, enrollees pay +10.9% more for 2027, weighted by how many people are in each plan. The overall premium, including the government's share, rises +9.3% (OPM).
Plan by plan, the middle (median) change in the Self Only employee premium is +5.9% across 117 plans that continue. It is lower than OPM's average because each plan counts once here, however many people it covers.
92 plans raised their premium, 20 lowered it and 5 kept it the same.
35 plans raised both the premium and the deductible or out-of-pocket maximum.
15 2026 plan options are not offered in 2027, and 1 is new.

Plans that cut the premium but raised what you could pay (Self Only):

Panama Canal Area Benefit Plan — FFS Plan with a POS Option: premium -16.1%, deductible up $300, out-of-pocket maximum up $2,800
Kaiser Permanente - Mid-Atlantic States — Kaiser Permanente FEHB Mid-Atlantic High: premium -3.7%, out-of-pocket maximum up $250
Kaiser Permanente - Georgia — High Option: premium -5.6%, out-of-pocket maximum up $250

Self Only employee biweekly premium, in-network deductible and out-of-pocket maximum, only where OPM states a dollar amount in both years. Counts come straight from OPM's 2026 and 2027 files.

Every plan option

Plan	Type	Self Only code	Self Only, employee biweekly	Self Only, retiree monthly	Self Only yearly
Aetna Healthfund CDHP and Aetna Value Plan — Aetna HealthFund CDHP Aetna HealthFund CDHP and Aetna Value Plan	Consumer-driven (HRA) · PPO	EP1	$418.42	$906.58	$10,879
Aetna Healthfund CDHP and Aetna Value Plan — Aetna HealthFund CDHP Aetna HealthFund CDHP and Aetna Value Plan	Consumer-driven (HRA) · PPO	F51	$325.23	$704.67	$8,456
Aetna Healthfund CDHP and Aetna Value Plan — Aetna HealthFund CDHP Aetna HealthFund CDHP and Aetna Value Plan	Consumer-driven (HRA) · PPO	G51	$374.24	$810.86	$9,730
Aetna Healthfund CDHP and Aetna Value Plan — Aetna HealthFund CDHP Aetna HealthFund CDHP and Aetna Value Plan	Consumer-driven (HRA) · PPO	H41	$365.60	$792.14	$9,506
Aetna Healthfund CDHP and Aetna Value Plan — Aetna HealthFund CDHP Aetna HealthFund CDHP and Aetna Value Plan	Consumer-driven (HRA) · PPO	JS1	$419.79	$909.55	$10,915
Aetna Healthfund CDHP and Aetna Value Plan — Value Plan Aetna HealthFund CDHP and Aetna Value Plan	Traditional · PPO	EP4	$463.10	$1,003.39	$12,041
Aetna Healthfund CDHP and Aetna Value Plan — Value Plan Aetna HealthFund CDHP and Aetna Value Plan	Traditional · PPO	F54	$338.38	$733.16	$8,798
Aetna Healthfund CDHP and Aetna Value Plan — Value Plan Aetna HealthFund CDHP and Aetna Value Plan	Traditional · PPO	G54	$288.03	$624.07	$7,489
Aetna Healthfund CDHP and Aetna Value Plan — Value Plan Aetna HealthFund CDHP and Aetna Value Plan	Traditional · PPO	H44	$385.57	$835.41	$10,025
Aetna Healthfund CDHP and Aetna Value Plan — Value Plan Aetna HealthFund CDHP and Aetna Value Plan	Traditional · PPO	JS4	$524.65	$1,136.75	$13,641
Aetna HMO — High Option Aetna HMO	Traditional · HMO	2X1	$418.76	$907.32	$10,888
Aetna Open Access — Basic Option Aetna Open Access	Traditional · HMO	JC4	$611.98	$1,325.96	$15,912
Aetna Open Access — Basic Option Aetna Open Access	Traditional · HMO	JR4	$627.27	$1,359.09	$16,309
Aetna Open Access — Basic Option Aetna Open Access	Traditional · HMO	P34	$653.63	$1,416.20	$16,994
Aetna Open Access — High Option Aetna Open Access	Traditional · HMO	JC1	$663.18	$1,436.89	$17,243
Aetna Open Access — High Option Aetna Open Access	Traditional · HMO	JR1	$877.72	$1,901.73	$22,821
Aetna Open Access — High Option Aetna Open Access	Traditional · HMO	P31	$671.16	$1,454.18	$17,450
Aetna Open Access — Basic Option Aetna Open Access (Capital Region and Saver)	Traditional · HMO	JN4	$132.65	$287.41	$3,449
Aetna Open Access — High Option Aetna Open Access (Capital Region and Saver)	Traditional · HMO	JN1	$486.99	$1,055.15	$12,662
Aetna Open Access — Saver Aetna Open Access (Capital Region and Saver)	Traditional · HMO	QQ4	$77.41	$167.73	$2,013
Aetna Advantage Aetna: HDHP/Aetna Direct/Aetna Advantage	Traditional · PPO	Z24	$70.43	$152.60	$1,831
Aetna Direct Aetna: HDHP/Aetna Direct/Aetna Advantage	Consumer-driven (HRA) · PPO	N61	$92.31	$200.01	$2,400
Aetna HDHP — Aetna HealthFund HDHP Aetna: HDHP/Aetna Direct/Aetna Advantage	High-deductible (HSA) · PPO	224	$178.01	$385.69	$4,628
Altius Health Plans (Aetna Health of Utah, Inc.) — HDHP Altius Health Plans (Aetna Health of Utah, Inc.)	High-deductible (HSA) · HMO	9K4	$181.49	$393.23	$4,719
Altius Health Plans (Aetna Health of Utah, Inc.) — High Option Altius Health Plans (Aetna Health of Utah, Inc.)	Traditional · HMO	9K1	$407.14	$882.14	$10,586
Altius Health Plans (Aetna Health of Utah, Inc.) — Standard Option Altius Health Plans (Aetna Health of Utah, Inc.)	Traditional · HMO	DK4	$268.28	$581.28	$6,975
Anthem Blue Cross - Select HMO — High Option Anthem Blue Cross Select HMO	Traditional · HMO	B31	$120.99	$262.15	$3,146
APWU Health Plan — Consumer Driven Option APWU Health Plan	Consumer-driven (HRA) · PPO	474	$102.63	$222.36	$2,668
APWU Health Plan — High Option APWU Health Plan	Traditional · PPO	471	$191.92	$415.83	$4,990
Baylor Scott & White Health Plan — Basic Baylor Scott and White Health Plan	Traditional · HMO	A81	$81.46	$176.50	$2,118
Baylor Scott & White Health Plan — Basic Baylor Scott and White Health Plan	Traditional · HMO	P81	$83.67	$181.28	$2,175
Baylor Scott & White Health Plan — Standard Baylor Scott and White Health Plan	Traditional · HMO	A84	$149.79	$324.55	$3,895
Baylor Scott & White Health Plan — Standard Baylor Scott and White Health Plan	Traditional · HMO	P84	$186.53	$404.15	$4,850
Baylor Scott & White Health Plan — Value Baylor Scott and White Health Plan	Traditional · HMO	RE1	$69.49	$150.57	$1,807
Baylor Scott & White Health Plan — Value Baylor Scott and White Health Plan	Traditional · HMO	YZ1	$67.41	$146.05	$1,753
Blue Cross and Blue Shield Service Benefit Plan Basic Option Blue Cross and Blue Shield	Traditional · PPO	111	$145.46	$315.17	$3,782
Blue Cross and Blue Shield Service Benefit Plan FEP Blue Focus — FEP Blue Focus Blue Cross and Blue Shield	Traditional · PPO	131	$74.16	$160.69	$1,928
Blue Cross and Blue Shield Service Benefit Plan Standard Option Blue Cross and Blue Shield	Traditional · PPO	104	$204.65	$443.41	$5,321
Calvo's SelectCare — High Calvo's SelectCare	Traditional · HMO	B41	$66.89	$144.93	$1,739
Calvo's SelectCare — Standard Calvo's SelectCare	Traditional · HMO	B44	$48.68	$105.47	$1,266
Capital Health Plan — High Capital Health Plan	Traditional · HMO	EA1	$126.89	$274.93	$3,299
CareFirst BlueChoice — Blue Value Plus CareFirst BlueChoice	Traditional · HMO	B64	$106.64	$231.06	$2,773
CareFirst BlueChoice — HDHP CareFirst BlueChoice	High-deductible (HSA) · HMO/POS	B61	$99.76	$216.15	$2,594
CareFirst BlueChoice — Standard Option CareFirst BlueChoice	Traditional · HMO	2G4	$278.22	$602.81	$7,234
Compass Rose Health Plan — High Option Compass Rose Health Plan	Traditional · PPO	421	$149.97	$324.94	$3,899
Compass Rose Health Plan — Standard Option Compass Rose Health Plan	Traditional · EPO	424	$69.04	$149.58	$1,795
Foreign Service Benefit Plan — High Option Foreign Service Benefit Plan	Traditional · PPO	401	$143.75	$311.46	$3,738
GEHA Benefit Plan — HDHP GEHA	High-deductible (HSA) · PPO	341	$81.62	$176.84	$2,122
GEHA Benefit Plan — High Option GEHA	Traditional · PPO	311	$168.01	$364.03	$4,368
GEHA Benefit Plan — Standard Option GEHA	Traditional · PPO	314	$86.75	$187.95	$2,255
G.E.H.A Indemnity Benefit Plan — Elevate Option GEHA Indemnity Benefit Plan	Traditional · PPO	254	$77.92	$168.83	$2,026
G.E.H.A Indemnity Benefit Plan — Elevate Plus Option GEHA Indemnity Benefit Plan	Traditional · EPO	251	$262.63	$569.04	$6,828
Geisinger Health Plan — Basic Geisinger Health Plan	Traditional · HMO	AJ1	$127.50	$276.25	$3,315
Geisinger Health Plan — Standard Geisinger Health Plan	Traditional · HMO	GG4	$147.67	$319.96	$3,840
Group Health Cooperative of South Central Wisconsin — High Group Health Cooperative of South Central Wisconsin	Traditional · HMO	WJ1	$299.00	$647.84	$7,774
Group Health Cooperative of South Central Wisconsin — Standard Group Health Cooperative of South Central Wisconsin	Traditional · HMO	WJ4	$118.86	$257.53	$3,090
Health Alliance Plan — High Option Health Alliance Plan	Traditional · HMO	521	$204.43	$442.94	$5,315
Health Alliance Plan — Standard Option Health Alliance Plan	Traditional · HMO	GY4	$85.66	$185.61	$2,227
Health Plan of Nevada — High Option Health Plan of Nevada	Traditional · HMO	NM1	$113.11	$245.08	$2,941
HealthPartners — High Option HealthPartners	Traditional · HMO	V31	$202.48	$438.71	$5,265
HealthPartners — Standard Option HealthPartners	Traditional · HMO	V34	$95.64	$207.22	$2,487
HMSA Plan — High Option HMSA	Traditional · HMO/POS	871	$115.21	$249.63	$2,996
HMSA Plan — Standard Option HMSA	Traditional · HMO/POS	874	$65.47	$141.85	$1,702
Kaiser Permanente - Colorado — High Option Kaiser Permanente - Colorado	Traditional · HMO	651	$115.30	$249.82	$2,998
Kaiser Permanente - Colorado — Prosper Kaiser Permanente - Colorado	Traditional · HMO	N41	$61.51	$133.27	$1,599
Kaiser Permanente - Colorado — Standard Option Kaiser Permanente - Colorado	Traditional · HMO	654	$98.05	$212.44	$2,549
Kaiser Permanente - Fresno California — High Option Kaiser Permanente - Fresno California	Traditional · HMO	NZ1	$163.51	$354.28	$4,251
Kaiser Permanente - Fresno California — Prosper Kaiser Permanente - Fresno California	Traditional · HMO	YV1	$60.04	$130.08	$1,561
Kaiser Permanente - Fresno California — Standard Option Kaiser Permanente - Fresno California	Traditional · HMO	NZ4	$97.72	$211.74	$2,541
Kaiser Permanente - Georgia — High Option Kaiser Permanente - Georgia	Traditional · HMO	F81	$117.01	$253.52	$3,042
Kaiser Permanente - Georgia — Prosper Kaiser Permanente - Georgia	Traditional · HMO	LA1	$65.67	$142.28	$1,707
Kaiser Permanente - Georgia — Standard Option Kaiser Permanente - Georgia	Traditional · HMO	F84	$88.49	$191.72	$2,301
Kaiser Permanente - Hawaii — High Option Kaiser Permanente - Hawaii	Traditional · HMO	631	$97.31	$210.85	$2,530
Kaiser Permanente - Hawaii — Standard Option Kaiser Permanente - Hawaii	Traditional · HMO	634	$66.51	$144.11	$1,729
Kaiser Permanente - Mid-Atlantic States — Kaiser Permanente FEHB Mid-Atlantic High Kaiser Permanente - Mid-Atlantic States	Traditional · HMO	E31	$138.93	$301.02	$3,612
Kaiser Permanente - Mid-Atlantic States — Kaiser Permanente FEHB Mid-Atlantic Standard Kaiser Permanente - Mid-Atlantic States	Traditional · HMO	E34	$99.03	$214.57	$2,575
Kaiser Permanente - Mid-Atlantic States — Prosper Kaiser Permanente - Mid-Atlantic States	Traditional · HMO	T71	$62.33	$135.04	$1,620
Kaiser Permanente - Northern California — High Option Kaiser Permanente - Northern California	Traditional · HMO	591	$207.45	$449.48	$5,394
Kaiser Permanente - Northern California — Prosper Kaiser Permanente - Northern California	Traditional · HMO	KC1	$87.25	$189.04	$2,268
Kaiser Permanente - Northern California — Standard Option Kaiser Permanente - Northern California	Traditional · HMO	594	$119.24	$258.36	$3,100
Kaiser Permanente - Northwest — High Option Kaiser Permanente - Northwest	Traditional · HMO	571	$117.23	$254.01	$3,048
Kaiser Permanente - Northwest — Prosper Kaiser Permanente - Northwest	Traditional · HMO	AM1	$59.66	$129.27	$1,551
Kaiser Permanente - Northwest — Standard Option Kaiser Permanente - Northwest	Traditional · HMO	574	$103.00	$223.16	$2,678
Kaiser Permanente - Southern California — High Option Kaiser Permanente - Southern California	Traditional · HMO	621	$115.03	$249.23	$2,991
Kaiser Permanente - Southern California — Prosper Kaiser Permanente - Southern California	Traditional · HMO	FL1	$55.17	$119.54	$1,434
Kaiser Permanente - Southern California — Standard Option Kaiser Permanente - Southern California	Traditional · HMO	624	$76.75	$166.30	$1,996
Kaiser Permanente - Washington Core — High Option Kaiser Permanente - Washington Core	Traditional · HMO	541	$224.17	$485.71	$5,829
Kaiser Permanente - Washington Core — Prosper Kaiser Permanente - Washington Core	Traditional · HMO	PT4	$54.16	$117.35	$1,408
Kaiser Permanente - Washington Core — Standard Option Kaiser Permanente - Washington Core	Traditional · HMO	544	$108.50	$235.09	$2,821
Kaiser Permanente Washington Options Federal — HDHP Kaiser Permanente Washington Options Federal	High-deductible (HSA) · PPO	L14	$95.70	$207.34	$2,488
Kaiser Permanente Washington Options Federal — Standard Option Kaiser Permanente Washington Options Federal	Traditional · HMO	L11	$103.64	$224.56	$2,695
M.D. IPA — High Option M.D. IPA	Traditional · HMO	JP1	$116.62	$252.69	$3,032
Medical Mutual of Ohio (Northern) — Basic Option Medical Mutual of Ohio (Northern)	Traditional · HMO	UX1	$71.69	$155.34	$1,864
Medical Mutual of Ohio (Northern) — Standard Option Medical Mutual of Ohio (Northern)	Traditional · HMO	644	$446.46	$967.33	$11,608
Medical Mutual of Ohio (Southern) — Basic Option Medical Mutual of Ohio (Southern)	Traditional · HMO	YF1	$70.55	$152.86	$1,834
MHBP Standard Option MHBP	Traditional · PPO	454	$153.11	$331.74	$3,981
Panama Canal Area Benefit Plan — FFS Plan with a POS Option Panama Canal Area Benefit Plan	Traditional · PPO	431	$256.25	$555.21	$6,663
Presbyterian Health Plan — High Option - Central Presbyterian Health Plan	Traditional · HMO	P21	$290.86	$630.20	$7,562
Presbyterian Health Plan — Standard Option - Central Presbyterian Health Plan	Traditional · HMO	PS4	$183.80	$398.24	$4,779
Presbyterian Health Plan — Wellness Option - Central Presbyterian Health Plan	Traditional · HMO	PS1	$119.05	$257.95	$3,095
QualChoice — High Option QualChoice	Consumer-driven (HRA) · HMO/POS	DH1	$141.30	$306.15	$3,674
QualChoice — Standard Option QualChoice	Consumer-driven (HRA) · HMO	DH4	$98.61	$213.65	$2,564
SAMBA — High SAMBA	Traditional · PPO	441	$308.98	$669.46	$8,034
SAMBA — Standard SAMBA	Traditional · PPO	444	$135.87	$294.39	$3,533
Select Health — HDHP Option SelectHealth, Inc.	High-deductible (HSA) · HMO	WX1	$102.94	$223.03	$2,676
Select Health — Standard Option SelectHealth, Inc.	Traditional · HMO/POS	SF4	$111.80	$242.23	$2,907
Sharp Health Plan — Basic Option Sharp Health Plan	Traditional · HMO	YJ1	$67.15	$145.50	$1,746
Sharp Health Plan — Standard Option Sharp Health Plan	Traditional · HMO	YJ4	$101.02	$218.88	$2,627
TakeCare Insurance Company — HDHP Option TakeCare Insurance Company, Inc.	High-deductible (HSA) · HMO/POS	KX1	$20.37	$44.13	$530
TakeCare Insurance Company — High Option TakeCare Insurance Company, Inc.	Traditional · HMO/POS	JK1	$71.45	$154.80	$1,858
TakeCare Insurance Company — Standard Option TakeCare Insurance Company, Inc.	Traditional · HMO/POS	JK4	$41.37	$89.63	$1,076
Triple-S Salud — High Triple-S Salud, Inc.	Traditional · HMO/POS	891	$61.05	$132.28	$1,587
UnitedHealthcare Insurance Company — HDHP UnitedHealthcare Insurance Company, Inc. (A HDHP with a Health Savings Account (HSA))	High-deductible (HSA) · HMO/POS	V41	$98.60	$213.64	$2,564
UnitedHealthcare Insurance Company — High Option UnitedHealthcare Insurance Company, Inc. (Choice Open Access)	Traditional · HMO	LR1	$260.67	$564.79	$6,777
UnitedHealthcare Insurance Company — High Option UnitedHealthcare Insurance Company, Inc. Choice Plus Primary East	Traditional · HMO/POS	AS1	$129.52	$280.63	$3,368
HDHP PPO — HDHP UPMC Health Plan	High-deductible (HSA) · PPO	8W4	$89.16	$193.18	$2,318
Standard HMO — Standard Option UPMC Health Plan	Traditional · HMO	UW4	$96.43	$208.94	$2,507
Western Health Advantage — High Option Western Health Advantage	Traditional · HMO	W51	$148.58	$321.93	$3,863

Questions about copays, HSAs, retiree premiums or Medicare? See the frequently asked questions.

Estimates for information only; the plan brochure is the statement of benefits. FedHorizon is not affiliated with OPM or any plan.

All math runs in your browser — the numbers you enter are never sent to us or stored on our servers.

These are planning estimates, not official OPM benefit determinations. Verify your eligibility, service history and benefit estimates against your agency's official records before making retirement decisions.

Related tools

More on this topic: Benefits and protection — articles and tools · All tools