PEN: The following comes to us from OPM – we cannot answer questions regarding health care cost of rates. For 2027, enrollees in the Postal Service Health Benefits (PSHB) program will be paying an average of 8.2% more toward their premiums. It follows an average increase of 12.3% for 2026, and 11.1% for 2025. Did USPS increase your pay or annuity to cover this rate increase? Did your unions help you get a lower rate?
Full Sets of Rate Charts
The charts below provide information on biweekly and monthly premiums, including the total premiums, the amount the government pays, and the change in the enrollee’s portion of the premium compared to last year. All PSHB plans offer Self Only, Self Plus One, and Self and Family enrollment types.
Self Plus One Enrollee Premiums Greater Than Self and Family
In some cases, the enrollee share of premiums for the Self Plus One enrollment type will be higher than for the Self and Family enrollment type. Enrollees who wish to cover one eligible family member are free to elect either the Self and Family or Self Plus One enrollment type. The chart below identifies those plans.
In 2027, the employer contribution rate for PSHB plans is the same across all Postal labor unions and management associations, except for USPS non-career employees or where specified otherwise in a collective bargaining agreement. If you are a Postal service employee and have questions or require assistance, please contact USPS Human Resources Shared Service Center: 877-477-3273, option 5, Federal Relay Service 800-877-8339.
The 2027 biweekly maximum government contribution for most employees and annuitants (72% of the weighted average) is $318.23 for Self Only, $689.34 for Self Plus One, and $748.55 for Self and Family. The monthly maximum government contribution (72% of the weighted average) is $689.50 for Self Only, $1,493.57 for Self Plus One and $1,621.86 for Self and Family.
For 2027, the biweekly program-wide weighted average premiums for Self Only, Self Plus One, and Self and Family enrollment with a government contribution are $441.98, $957.42, and $1,039.65, respectively. The monthly program-wide weighted average premiums for Self Only, Self Plus One, and Self and Family enrollments with a government contribution are $957.62, $2,074.41, and $2,252.58, respectively.
HMO (Regional Plans with Specific Service Areas)
FFS (Fee-for-Service/Nationwide Plans)
- Premium Rates
- TCC and Former Spouse Rates
Open Season is November 9 – December 14, 2026
Please note: The Federal Benefits Open Season ends at 11:59 pm Eastern Time on Monday December 14, 2026 for the Federal Employees Dental and Vision Insurance Program (FEDVIP) and the Federal Flexible Spending Account Program (FSAFEDS). Open Season for the Federal Employees Health Benefits Program (FEHB) and Postal Service Health Benefits Program (PSHB) ends at 11:59 pm, per the location of your electronic enrollment system, on Monday December 14, 2026.
Open Season Home Page
