FEHB Premiums 2027

What every plan costs you in 2027, per paycheck or per month, and how much it changed. All 118 plan options, from OPM's rate charts.

Median change, Self Only

+5.9%

Median change, Self and Family

+5.5%

Options that got cheaper (Self Only)

20 of 117

Government pays up to, per paycheck (Self Only)

$352.04

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17 plan options (nationwide). Self Only, your share per paycheck.

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Plan	You pay 2027	Change	Per year
Compass Rose Health Plan: Standard Option Nationwide · code 424	$69.04	+$7.40 +12.0%	$1,795
Blue Cross and Blue Shield: FEP Blue Focus Nationwide · code 131	$74.16	+$7.35 +11.0%	$1,928
GEHA Indemnity Benefit Plan: Elevate Option Nationwide · code 254	$77.92	$0.00	$2,026
GEHA: HDHP Nationwide · code 341	$81.62	$0.00	$2,122
GEHA: Standard Option Nationwide · code 314	$86.75	$0.00	$2,256
APWU Health Plan: Consumer Driven Option Nationwide · code 474	$102.63	+$2.01 +2.0%	$2,668
SAMBA: Standard Nationwide · code 444	$135.87	+$13.01 +10.6%	$3,533
Foreign Service Benefit Plan: High Option Nationwide · code 401 Open to Foreign Service employees and certain other agencies' employees.	$143.75	+$43.39 +43.2%	$3,738
Blue Cross and Blue Shield: Basic Option Nationwide · code 111	$145.46	+$11.69 +8.7%	$3,782
Compass Rose Health Plan: High Option Nationwide · code 421	$149.97	+$9.91 +7.1%	$3,899
MHBP: Standard Option Nationwide · code 454	$153.11	+$59.22 +63.1%	$3,981
GEHA: High Option Nationwide · code 311	$168.01	−$27.28 −14.0%	$4,368
APWU Health Plan: High Option Nationwide · code 471	$191.92	+$51.76 +36.9%	$4,990
Blue Cross and Blue Shield: Standard Option Nationwide · code 104	$204.65	+$16.33 +8.7%	$5,321
Panama Canal Area Benefit Plan: FFS Plan with a POS Option Nationwide · code 431 Open to employees and annuitants in the Panama Canal area.	$256.25	−$49.33 −16.1%	$6,663
GEHA Indemnity Benefit Plan: Elevate Plus Option Nationwide · code 251	$262.63	+$57.50 +28.0%	$6,828
SAMBA: High Nationwide · code 441	$308.98	+$82.89 +36.7%	$8,033

From OPM's 2027 premium charts (imported 2026-11-14). Local plans are listed by state, but many serve only part of a state: check the service area in the plan's brochure or OPM's Plan Comparison Tool. Part-time employees pay more (the government share is prorated). Postal employees and annuitants are in PSHB, which has its own rates.

Nationwide plans: 2027 employee share per paycheck

Open to enrollees anywhere in the U.S. (some require joining an employee organization). Change from 2026 in parentheses.

APWU Health Plan: Consumer Driven Option
Self Only
$102.63
+$2.01
Self Plus One
$223.06
+$4.38
Self and Family
$243.34
+$4.78
APWU Health Plan: High Option
Self Only
$191.92
+$51.76
Self Plus One
$374.71
+$109.60
Self and Family
$461.61
+$123.89
Blue Cross and Blue Shield: Basic Option
Self Only
$145.46
+$11.69
Self Plus One
$350.48
+$31.23
Self and Family
$387.54
+$30.68
Blue Cross and Blue Shield: FEP Blue Focus
Self Only
$74.16
+$7.35
Self Plus One
$159.43
+$15.80
Self and Family
$175.35
+$17.38
Blue Cross and Blue Shield: Standard Option
Self Only
$204.65
+$16.33
Self Plus One
$449.89
+$39.01
Self and Family
$496.90
+$39.24
Compass Rose Health Plan: High Option
Self Only
$149.97
+$9.91
Self Plus One
$336.89
+$25.45
Self and Family
$361.03
+$23.46
Compass Rose Health Plan: Standard Option
Self Only
$69.04
+$7.40
Self Plus One
$151.89
+$16.28
Self and Family
$165.69
+$17.75
Foreign Service Benefit Plan: High Option
Open to Foreign Service employees and certain other agencies' employees.
Self Only
$143.75
+$43.39
Self Plus One
$429.35
+$171.39
Self and Family
$382.65
+$134.38
GEHA: HDHP
Self Only
$81.62
$0.00
Self Plus One
$175.47
$0.00
Self and Family
$215.63
$0.00
GEHA: High Option
Self Only
$168.01
−$27.28
Self Plus One
$376.59
−$56.36
Self and Family
$459.39
−$65.79
GEHA: Standard Option
Self Only
$86.75
$0.00
Self Plus One
$186.51
$0.00
Self and Family
$231.45
$0.00
GEHA Indemnity Benefit Plan: Elevate Option
Self Only
$77.92
$0.00
Self Plus One
$187.99
$0.00
Self and Family
$228.85
$0.00
GEHA Indemnity Benefit Plan: Elevate Plus Option
Self Only
$262.63
+$57.50
Self Plus One
$578.95
+$129.37
Self and Family
$634.19
+$138.07
MHBP: Standard Option
Self Only
$153.11
+$59.22
Self Plus One
$442.77
+$226.65
Self and Family
$400.78
+$182.58
Panama Canal Area Benefit Plan: FFS Plan with a POS Option
Open to employees and annuitants in the Panama Canal area.
Self Only
$256.25
−$49.33
Self Plus One
$457.87
−$100.81
Self and Family
$437.78
−$112.27
SAMBA: High
Self Only
$308.98
+$82.89
Self Plus One
$686.75
+$186.02
Self and Family
$742.68
+$198.63
SAMBA: Standard
Self Only
$135.87
+$13.01
Self Plus One
$264.64
+$27.91
Self and Family
$280.66
+$23.18

Plan	Self Only	Self Plus One	Self and Family
APWU Health Plan: Consumer Driven Option codes 474/476/475	$102.63(+$2.01)	$223.06(+$4.38)	$243.34(+$4.78)
APWU Health Plan: High Option codes 471/473/472	$191.92(+$51.76)	$374.71(+$109.60)	$461.61(+$123.89)
Blue Cross and Blue Shield: Basic Option codes 111/113/112	$145.46(+$11.69)	$350.48(+$31.23)	$387.54(+$30.68)
Blue Cross and Blue Shield: FEP Blue Focus codes 131/133/132	$74.16(+$7.35)	$159.43(+$15.80)	$175.35(+$17.38)
Blue Cross and Blue Shield: Standard Option codes 104/106/105	$204.65(+$16.33)	$449.89(+$39.01)	$496.90(+$39.24)
Compass Rose Health Plan: High Option codes 421/423/422	$149.97(+$9.91)	$336.89(+$25.45)	$361.03(+$23.46)
Compass Rose Health Plan: Standard Option codes 424/426/425	$69.04(+$7.40)	$151.89(+$16.28)	$165.69(+$17.75)
Foreign Service Benefit Plan: High Option codes 401/403/402 · Open to Foreign Service employees and certain other agencies' employees.	$143.75(+$43.39)	$429.35(+$171.39)	$382.65(+$134.38)
GEHA: HDHP codes 341/343/342	$81.62($0.00)	$175.47($0.00)	$215.63($0.00)
GEHA: High Option codes 311/313/312	$168.01(−$27.28)	$376.59(−$56.36)	$459.39(−$65.79)
GEHA: Standard Option codes 314/316/315	$86.75($0.00)	$186.51($0.00)	$231.45($0.00)
GEHA Indemnity Benefit Plan: Elevate Option codes 254/256/255	$77.92($0.00)	$187.99($0.00)	$228.85($0.00)
GEHA Indemnity Benefit Plan: Elevate Plus Option codes 251/253/252	$262.63(+$57.50)	$578.95(+$129.37)	$634.19(+$138.07)
MHBP: Standard Option codes 454/456/455	$153.11(+$59.22)	$442.77(+$226.65)	$400.78(+$182.58)
Panama Canal Area Benefit Plan: FFS Plan with a POS Option codes 431/433/432 · Open to employees and annuitants in the Panama Canal area.	$256.25(−$49.33)	$457.87(−$100.81)	$437.78(−$112.27)
SAMBA: High codes 441/443/442	$308.98(+$82.89)	$686.75(+$186.02)	$742.68(+$198.63)
SAMBA: Standard codes 444/446/445	$135.87(+$13.01)	$264.64(+$27.91)	$280.66(+$23.18)

Reading the numbers

"You pay" is the enrollee share for a full-time, non-postal employee: the total premium minus the government share. Employees pay it from each of 26 paychecks, before taxes. Retirees pay the same share monthly (× 26 ÷ 12) from the annuity. Former spouses and people on Temporary Continuation of Coverage pay the full premium (plus 2% for TCC).

The cheapest premium is not always the cheapest plan: deductibles, copays, and the out-of-pocket maximum matter as much. Compare benefits in each plan's brochure or in OPM's Plan Comparison Tool, and see the guide to FEHB plans and costs and the 2027 Open Season cheat sheet (which plans are ending and what to do). Turning 65? Read FEHB vs Medicare at 65.

Questions

How much do FEHB premiums go up in 2027?

It depends on the plan. Across the 117 plan options with rates in both years, the median Self Only enrollee share rises 5.9%, and 20 options cost a Self Only enrollee less than in 2026. Look up your plan in the table above.

How much does the government pay?

72% of the program-wide average premium, but never more than 75% of your plan's premium. For 2027 that caps the government share at $352.04 biweekly for Self Only, $767.53 for Self Plus One, and $843.82 for Self and Family. You pay the rest, before taxes while you work (premium conversion).

Do retirees pay the same as employees?

Yes, the same share, but monthly instead of biweekly: the monthly figure is the biweekly one × 26 ÷ 12. It comes out of your annuity, after taxes (premium conversion does not apply to annuitants).

Can Self Plus One cost more than Self and Family?

Yes. In 2027, 39 plan options charge the enrollee more for Self Plus One than for Self and Family. If you are choosing between the two for a household of two, check both; Self and Family covers the same people.

When can I change plans?

During Open Season (through December 14), or within the windows after a qualifying life event. A change made in Open Season takes effect the first pay period of January.

Source: OPM FEHB premium rate charts, 2027 (fee-for-service and HMO), imported 2026-11-14. Every row checked: total = government + enrollee, and the government share = the lesser of the cap or 75% of the premium.