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Deciding whether to add Medicare Part B? Read the FEHB and Part B decision guide.

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FEHB Plan Comparison

Compare 2027 federal health plans side-by-side. Filter by HSA compatibility, sort by cost, and build a comparison table for the plans that matter to you.

Premiums shown are biweekly and monthly employee share (2027). Verify exact amounts at OPM.gov.

Coverage Tier
Retirement tip: You can generally keep FEHB in retirement if you retire on an immediate annuity and were covered by FEHB for the five years of service right before retirement, or since your first chance to enroll if that is shorter. Coverage as a family member counts. Confirm your own eligibility with your HR office or OPM. Premiums increase annually — budget ~4% per year for long-term planning. Veterans with a VA rating may consider dropping FEHB after Medicare eligibility at 65.
6 plans — select up to 4 to compare

FEP Blue Focus

Blue Cross Blue Shield

Enrollment code 131

Fee-for-Service
Biweekly premium$74.16
Monthly premium$160.69
Annual cost$1,928
In-network deductible$1,000
In-network OOP Max$11,000

GEHA HDHP

GEHA

Enrollment code 341

HDHPSelected ✓
Biweekly premium$81.62
Monthly premium$176.84
Annual cost$2,122
In-network deductible$1,800
In-network OOP Max$6,000
HSA ✓

GEHA Standard

GEHA

Enrollment code 314

Fee-for-ServiceSelected ✓
Biweekly premium$86.75
Monthly premium$187.95
Annual cost$2,256
In-network deductible$500
In-network OOP Max$8,000

BCBS Basic

Blue Cross Blue Shield

Enrollment code 111

Fee-for-ServiceSelected ✓
Biweekly premium$145.46
Monthly premium$315.17
Annual cost$3,782
In-network deductibleNone
In-network OOP Max$8,500

GEHA High

GEHA

Enrollment code 311

Fee-for-Service
Biweekly premium$168.01
Monthly premium$364.03
Annual cost$4,368
In-network deductible$500
In-network OOP Max$7,500

BCBS Standard

Blue Cross Blue Shield

Enrollment code 104

Fee-for-Service
Biweekly premium$204.65
Monthly premium$443.41
Annual cost$5,321
In-network deductible$500
In-network OOP Max$7,000

Side-by-Side Comparison (3 plans)

See how FEHB fits your full retirement picture

The planner models your FEHB premiums year-by-year — including the switch to Medicare at 65 — so you can see the real dollar impact on your net monthly income.

Build My Full Retirement Plan →

2027 plan year. OPM rates and benefits published 9/29/2026.

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FedVetRetirement provides educational financial projections only. Not financial, tax, investment, or legal advice. FedVetRetirement is not a registered investment advisor or licensed financial professional. Consult a qualified advisor, your agency HR benefits office, OPM, SSA, or VA before making retirement decisions.