FEHB 2027 plan
M.D. IPA — High Option
M.D. IPA · Traditional · HMO: in-network care only, except emergencies. Offered in all of DC, MD, and parts of VA. Availability within a state can depend on county or ZIP code; use the comparison tool to see what is offered where you live.
Compare this plan with every option where you live →
2027 premiums
| Enrollment type | Code | Employee, biweekly | Retiree, monthly | Per year |
|---|---|---|---|---|
| Self Only | JP1 | $116.62 | $252.69 | $3,032 |
| Self Plus One | JP3 | $227.77 | $493.50 | $5,922 |
| Self and Family | JP2 | $464.23 | $1,005.83 | $12,070 |
Your share only; the government pays the rest. Non-postal employees. Postal Service employees are covered by PSHB, not FEHB. Source: OPM 2027 FEHB rates.
Deductible and out-of-pocket limits
| In network | Self Only | Self Plus One | Self and Family |
|---|---|---|---|
| Deductible | $0 | $0 | $0 |
| Out-of-pocket maximum | $5,000 | $10,000 | $10,000 |
| Prescription out-of-pocket maximum | Included in the medical max | Included in the medical max | Included in the medical max |
The out-of-pocket maximum is the most you pay for covered in-network care in a year, not including the premium.
What you pay for common care (in network)
| Primary care visit | $30 copay |
| Specialist visit | $40 copay |
| Urgent care | $50 copay |
| Emergency room | $350 copay |
| Hospital stay (per admission) | $250 copay |
| Lab work and X-rays | $50 copay |
| CT, MRI and PET scans | $100 copay |
| Generic drugs (tier 1) | $15 copay |
| Preferred brand drugs (tier 2) | $60 copay |
| Non-preferred brand drugs (tier 3) | $150 copay |
As OPM states them. Whether the deductible applies first varies by service; the plan brochure is the statement of benefits.
What changed from 2026
For Self Only, as an employee:
- Premium down $2,626 a year ($101.00 biweekly)
- Deductible: no change
- In-network out-of-pocket max: no change
How this plan works with Medicare
- Primary care visit, Medicare A & B pays first: No charge
- Specialist visit, Medicare A & B pays first: No charge
- Hospital stay, Medicare A & B pays first: No charge
- Out-of-pocket maximum with Parts A & B: $5,000
- Medicare Advantage (Part C) option: Offered; reimburses up to $150 of Part B premiums
Retirees with Medicare generally have Medicare pay first. Compare the yearly cost of FEHB alone with FEHB plus Part B.
Official documents
- 2027 plan brochure on OPM.gov (RI 73-100), the only contractual statement of benefits
- Summary of benefits and coverage
- Drug formulary
- Provider directory
- M.D. IPA, 877-835-9861
Figures are from OPM's public 2027 FEHB data files (plan data dated 2026-09-29), not from the plan's brochure, and are shown for information only. Confirm your doctors and prescriptions with the plan before enrolling. FedHorizon is not affiliated with OPM or any plan. All 2027 FEHB plans
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
- FEHB in RetirementCheck the 5-year eligibility rule and project your FEHB premium over a long retirement — compounding at recent annuitant inflation rates.
- Take-Home Pay CalculatorEstimate biweekly net pay with federal-specific accuracy: FERS tier, FEHB premium conversion, Traditional vs. Roth TSP, and 2026 tax brackets.
- Household Retirement Income CalculatorCombine both spouses' income into one household total — dual-fed pensions (including a deferred pension not yet started), Social Security vs. SSDI, and VA disability for either or both.
- FEGLI Premium CalculatorSee your current FEGLI cost and how Option B premiums escalate through each five-year age band. Includes a projection chart to retirement.
More on this topic: Benefits and protection — articles and tools · All tools