U.S. · Federal employees and retirees (FEHB) · Open season 2026
FEHB premiums 2027 comparison.
Compare what you will pay for two nationwide FEHB plans in 2027, using OPM's published rates, with the government share shown alongside.
Your numbers
Rates are OPM's 2027 nationwide fee-for-service chart (non-Postal). Pick two plans and an enrollment type.
Result
The 2027 FEHB premiums in one line
OPM's 2027 premium page sets the biweekly maximum government contribution for most employees and annuitants at $352.04 for Self Only, $767.53 for Self Plus One and $843.82 for Self and Family. For annuitants paid monthly the maximums are $762.75, $1,662.98 and $1,828.28. Your share is the plan's total premium minus the government's share, which is why a cheaper plan can cost you far less than its premium suggests.
How to compare two plans
Pick Plan A and Plan B, an enrollment type and whether you pay biweekly (employees) or monthly (annuitants). The tool shows what you pay in each, the yearly total, and the government share. In OPM's chart the government share is capped at the maximum above or at 75% of the plan's total premium, whichever is lower, so Plan B can look cheaper even when its total premium is higher.
Nationwide fee-for-service plans, 2027 employee share, biweekly
| Plan | Self Only | Self Plus One | Self and Family | Change, Self and Family |
|---|---|---|---|---|
| APWU Health Plan (CDHP) | $102.63 | $223.06 | $243.34 | +$4.78 |
| APWU Health Plan (High) | $191.92 | $374.71 | $461.61 | +$123.89 |
| Blue Cross Blue Shield FEP Blue Basic | $145.46 | $350.48 | $387.54 | +$30.68 |
| Blue Cross Blue Shield FEP Blue Focus | $74.16 | $159.43 | $175.35 | +$17.38 |
| Blue Cross Blue Shield FEP Blue Standard | $204.65 | $449.89 | $496.90 | +$39.24 |
| Compass Rose Health Plan (High) | $149.97 | $336.89 | $361.03 | +$23.46 |
| Compass Rose Health Plan (Standard) | $69.04 | $151.89 | $165.69 | +$17.75 |
| Foreign Service Benefit Plan (High) | $143.75 | $429.35 | $382.65 | +$134.38 |
| GEHA Benefit Plan (High) | $168.01 | $376.59 | $459.39 | -$65.79 |
| GEHA Benefit Plan (Standard) | $86.75 | $186.51 | $231.45 | +$0.00 |
| GEHA HDHP | $81.62 | $175.47 | $215.63 | +$0.00 |
| GEHA Indemnity Benefit Plan (Elevate Plus) | $262.63 | $578.95 | $634.19 | +$138.07 |
| GEHA Indemnity Benefit Plan (Elevate) | $77.92 | $187.99 | $228.85 | +$0.00 |
| MHBP Standard Option | $153.11 | $442.77 | $400.78 | +$182.58 |
| Panama Canal Area Benefit Plan (High) | $256.25 | $457.87 | $437.78 | -$112.27 |
| SAMBA Health Benefit Plan (High) | $308.98 | $686.75 | $742.68 | +$198.63 |
| SAMBA Health Benefit Plan (Standard) | $135.87 | $264.64 | $280.66 | +$23.18 |
These are the 17 nationwide fee-for-service plan options in OPM's 2027 chart for non-Postal employees. Regional HMO plans are in OPM's separate HMO chart and are not included here; Postal Service employees use the PSHB program. The tool does not know your ZIP code, so check which plans serve your area.
Worked example
Self Only, biweekly. APWU Health Plan CDHP: total premium $410.52, government pays $307.89, you pay $102.63, or $2,668.38 over 26 pay periods. Blue Cross Blue Shield FEP Blue Standard: total $556.69, government pays $352.04, you pay $204.65, or $5,320.90 a year. The difference is $2,652.52 a year, though the plans cover different benefits and cost-sharing.
What this does not cover
- Regional HMO plans, Postal PSHB plans, dental and vision plans (FEDVIP), and Medicare supplement rules for retirees.
- Deductibles, copays, coinsurance, out-of-pocket maximums and drug coverage, which can outweigh a premium gap. OPM's plan comparison tool covers them.
- Pre-tax treatment of premiums for employees, which lowers the real cost of the employee share.
- The TCC and former spouse rates, which are the full premium plus 2%.
Sources
Retrieved 2026-11-01. Each page was opened and read against the claim next to it.
- OPM, 2027 FEHB premiums: the 2027 maximum government contributions and weighted average premiums.
- OPM, 2027 fee-for-service premium rates: every plan figure in the table and the calculator: total, government share, employee share and change.
- OPM, FEHB plan comparison tool: benefit comparison, deductibles and regional plan availability.
Frequently asked questions
How much does the government pay toward FEHB in 2027?
For most employees and annuitants the maximum is $352.04 biweekly for Self Only, $767.53 for Self Plus One and $843.82 for Self and Family, per OPM. Monthly maximums are $762.75, $1,662.98 and $1,828.28.
Where do these premiums come from?
From OPM's published 2027 fee-for-service premium chart. The tool uses those figures as published and does not estimate anything.
Why can the gap in what I pay exceed the gap in total premium?
The government pays up to a fixed maximum or 75% of the plan's total premium, whichever is lower. A plan whose total premium is above the cap gets no extra government money, so each added dollar of premium falls on you in full.
Does this include HMO plans?
No. It covers the 17 nationwide fee-for-service plan options. Regional HMOs and PSHB plans have separate OPM charts.
Are the premiums pre-tax?
Employees' premiums are generally paid pre-tax under premium conversion, which this tool does not model. See OPM's reference material on premium conversion.
Is the cheapest premium the best plan?
Not necessarily. Deductibles, copays, coinsurance and drug coverage differ, and a low premium can come with high out-of-pocket costs. Use OPM's comparison tool for benefits.
Estimate only
This is an educational estimate, not benefits, tax or legal advice. OPM, DFAS or your plan makes the binding calculation, and rules change. Nothing you enter leaves your browser.