WASHINGTON, DC – The U.S. Office of Personnel Management (OPM) announced today that for plan year 2021, the average total premiums for current non-Postal employees and retirees enrolled in plans under the Federal Employees Health Benefits (FEHB) Program will increase 3.6 percent. This year’s increase is lower than last year’s increase.
This year, OPM has negotiated a new, seven-year contract for the Federal Employees Dental and Vision Insurance Program (FEDVIP). While the majority of current FEDVIP enrollees should not experience a significant increase in premiums, enrollees are encouraged to research the various FEDVIP plans and choose the dental and vision coverage that best fits their needs.
“Our team has worked diligently throughout the year with healthcare providers and carriers to secure top-tier health benefits for federal employees, retirees, other eligible individuals, and their families,” said OPM Acting Director Michael J. Rigas. “We hope today’s announcement will help members of the Federal community successfully plan for the coming Open Season.”
Federal Benefits Open Season begins Monday, November 9 and ends Monday, December 14, 2020. The annual Federal Benefits Open Season gives Federal employees and other eligible individuals the opportunity to review their FEHB and FEDVIP plan options, make changes, and enroll for the upcoming benefit year that begins January 1, 2021.
Federal employees may also use Open Season to elect to make pre-tax contributions to health care and/or dependent care flexible spending accounts under the Federal Flexible Spending Account Program (FSAFEDS).
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 FEHB plans offer Self Only, Self Plus One, and Self and Family enrollment types.
Note: Non-Postal rates apply to most enrollees. Postal rates apply to certain employees of the U.S. Postal Service. The Postal employee groups in each category of Postal rates can change from year to year. Postal employees are encouraged to visit the FEHB Plan Comparison Tool to review plan brochures for information about Postal rate categories for 2021 once that information becomes available in November 2020.
Disclaimer: 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. Check premiums on our website at www.opm.gov/fehbpremiums.
HMO (Regional Plans with Specific Service Areas)
FFS (Fee-for-Service/Nationwide Plans)
The 2021 biweekly maximum government contribution for non-Postal employees and annuitants (72% of the weighted average) is $241.58 for Self Only, $517.46 for Self Plus One, and $562.25 for Self and Family. The monthly maximum government contribution (72% of the weighted average) is $523.42 for Self Only, $1,121.16 for Self Plus One and $1,218.21 for Self and Family.
For 2021, the biweekly program-wide weighted average premiums for Self Only, Self Plus One, and Self and Family enrollments with a government contribution are $335.53, $718.70, and $780.90, respectively. The monthly program-wide weighted average premiums for Self Only, Self Plus One, and Self and Family enrollments with a government contribution $726.98, $1,557.18, and $1,691.95, respectively.
Visit https://www.opm.gov/healthcare-insurance/healthcare/plan-information/premiums/ to view the plans and rates for the upcoming Open Season.