Free tool
FEHB premium estimator
All — plan options for —, straight from OPM's rate tables. Filter to your state, search by name or plan code, and compare up to three.
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Self Only · per pay period
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How to read these numbers
- The government pays up to 75% of a plan's total premium, capped at 72% of the programme-wide weighted average. That cap is why the government's share differs between plans, and why an expensive plan costs you far more than the headline difference.
- These are non-postal employee rates. Postal employees and annuitants are in PSHB, which has its own premiums.
- Annuitant rates are the same dollar amounts but deducted monthly rather than biweekly, so use the Year view to compare like with like.
- Premium is one part of the decision. The deductible, the catastrophic limit and your prescriptions often matter more, and comparing two plans properly takes twenty minutes.
Educational estimate only, not benefits advice. Figures are OPM's published rates for plan year 2027, checked —. Confirm with your plan's brochure or your HR office before enrolling.