Postal Service Health Benefits Program (PSHB)
Postal Service employees and Postal Service annuitants will no longer be eligible to enroll or continue enrollment in an FEHB plan as of January 1, 2025, and must enroll in a PSHB plan to maintain health coverage through the Postal Service.
OPM is working to make the transition to PSHB as simple as possible by automatically enrolling Postal Service members into a PSHB plan based on their current FEHB enrollment. The following table lists the plan options into which individuals will be automatically enrolled. Postal Service enrollees, annuitants, and their family members who are currently enrolled in any FEHB plan not listed below will be automatically enrolled in the PSHB nationwide plan option with the lowest self-only premium that is not a high deductible health plan and does not charge a membership fee. For the 2025 PSHB benefit year, this plan is the Blue Cross Blue Shield Service Benefit Plan FEP Blue Focus (35A/35B/35C).
Online
To enroll online this Open Season a login.gov account will be required to access the new Postal Service Health Benefits System (PSHBS). PSHBS will replace PostalEASE for making changes or enrolling in a health benefits plan under the new Postal Service Health Benefits Program (PSHB). Login.gov is a secure sign-in service. Creating an account can be done in a few steps.
Postal Service Health Benefits Program
Visit login.gov for more information or click here to create an account.
Open Season begins Nov. 11 and will be here before you know it. Don’t wait to create your login.gov account.
Hardcopy
You will also be able to make changes to your enrollment by submitting a SF2809 Health Benefits Election Form to HRSSC.
Plan brochures are the official statements of benefits for plans offered through the Postal Service Health Benefits (PSHB) Program. Each plan brochure contains descriptions of benefits, limitations, exclusions, and definitions. While the PSHB enrollment portal allows you to compare plans to see what coverage best meets your needs, we recommend you always refer to the individual plan brochures before making your final enrollment decision.
HMO (Regional Plans with Specific Service Areas)
| Option | Enrollment Code | Location | Enrollment Type | 2025 Biweekly-Total Premium | 2025 Biweekly Gov't Pays | 2025 Biweekly Empl. Pays | 2025 Monthly-Total Premium | 2025 Monthly Gov't Pays | 2025 Monthly Empl. Pays |
| Aetna HealthFund CDHP | HHA | Iowa | Self | 472.33 | 286.09 | 186.24 | 1023.38 | 619.86 | 403.52 |
| Aetna HealthFund CDHP | HHB | Iowa | Self & Family | 1076.63 | 672.95 | 403.68 | 2332.70 | 1458.06 | 874.64 |
| Aetna HealthFund CDHP | HHC | Iowa | Self Plus One | 1066.20 | 618.40 | 447.80 | 2310.10 | 1339.87 | 970.23 |
| Aetna Value Plan | HHD | Iowa | Self | 623.45 | 286.09 | 337.36 | 1350.81 | 619.86 | 730.95 |
| Aetna Value Plan | HHE | Iowa | Self & Family | 1430.77 | 672.95 | 757.82 | 3100.00 | 1458.06 | 1641.94 |
| Aetna Value Plan | HHF | Iowa | Self Plus One | 1402.72 | 618.40 | 784.32 | 3039.23 | 1339.87 | 1699.36 |
| Aetna Advantage | HLD | Iowa | Self | 258.02 | 193.52 | 64.50 | 559.04 | 419.28 | 139.76 |
| Aetna Advantage | HLE | Iowa | Self & Family | 683.72 | 512.79 | 170.93 | 1481.39 | 1111.04 | 370.35 |
| Aetna Advantage | HLF | Iowa | Self Plus One | 567.62 | 425.72 | 141.90 | 1229.84 | 922.38 | 307.46 |
| Aetna Direct | G3A | Iowa | Self | 303.70 | 227.78 | 75.92 | 658.02 | 493.52 | 164.50 |
| Aetna Direct | G3B | Iowa | Self & Family | 765.91 | 574.43 | 191.48 | 1659.47 | 1244.60 | 414.87 |
| Aetna Direct | G3C | Iowa | Self Plus One | 666.05 | 499.54 | 166.51 | 1443.11 | 1082.33 | 360.78 |
| Aetna HealthFund HDHP | G3D | Iowa | Self | 460.47 | 286.09 | 174.38 | 997.69 | 619.86 | 377.83 |
| Aetna HealthFund HDHP | G3E | Iowa | Self & Family | 1015.71 | 672.95 | 342.76 | 2200.71 | 1458.06 | 742.65 |
| Aetna HealthFund HDHP | G3F | Iowa | Self Plus One | 995.82 | 618.40 | 377.42 | 2157.61 | 1339.87 | 817.74 |
| High Option | KGA | Iowa | Self | 383.33 | 286.09 | 97.24 | 830.55 | 619.86 | 210.69 |
| High Option | KGB | Iowa | Self & Family | 933.80 | 672.95 | 260.85 | 2023.23 | 1458.06 | 565.17 |
| High Option | KGC | Iowa | Self Plus One | 847.16 | 618.40 | 228.76 | 1835.51 | 1339.87 | 495.64 |
| Standard Option | KGD | Iowa | Self | 255.36 | 191.52 | 63.84 | 553.28 | 414.96 | 138.32 |
| Standard Option | KGE | Iowa | Self & Family | 622.08 | 466.56 | 155.52 | 1347.84 | 1010.88 | 336.96 |
| Standard Option | KGF | Iowa | Self Plus One | 564.36 | 423.27 | 141.09 | 1222.78 | 917.09 | 305.69 |
| High | JYA | Iowa | Self | 398.94 | 286.09 | 112.85 | 864.37 | 619.86 | 244.51 |
| High | JYB | Iowa | Self & Family | 943.53 | 672.95 | 270.58 | 2044.32 | 1458.06 | 586.26 |
| High | JYC | Iowa | Self Plus One | 857.75 | 618.40 | 239.35 | 1858.46 | 1339.87 | 518.59 |
FFS (Fee-for-Service/Nationwide Plans)
| Plan | Option | Enrollment Code | Location | Enrollment Type | 2025 Biweekly-Total Premium | 2025 Biweekly Gov't Pays | 2025 Biweekly Empl. Pays | 2025 Monthly-Total Premium | 2025 Monthly Gov't Pays | 2025 Monthly Empl. Pays |
| APWU Health Plan | High Option | 23A | Nationwide | Self | 395.95 | 286.09 | 109.86 | 857.89 | 619.86 | 238.03 |
| APWU Health Plan | High Option | 23B | Nationwide | Self & Family | 950.23 | 672.95 | 277.28 | 2058.83 | 1458.06 | 600.77 |
| APWU Health Plan | High Option | 23C | Nationwide | Self Plus One | 831.45 | 618.40 | 213.05 | 1801.48 | 1339.87 | 461.61 |
| APWU Health Plan | Consumer Driven Option | 23D | Nationwide | Self | 322.49 | 241.87 | 80.62 | 698.73 | 524.05 | 174.68 |
| APWU Health Plan | Consumer Driven Option | 23E | Nationwide | Self & Family | 764.63 | 573.47 | 191.16 | 1656.70 | 1242.53 | 414.17 |
| APWU Health Plan | Consumer Driven Option | 23F | Nationwide | Self Plus One | 700.91 | 525.68 | 175.23 | 1518.64 | 1138.98 | 379.66 |
| Blue Cross and Blue Shield Service Benefit Plan | Basic Option | 33A | Nationwide | Self | 400.21 | 286.09 | 114.12 | 867.12 | 619.86 | 247.26 |
| Blue Cross and Blue Shield Service Benefit Plan | Basic Option | 33B | Nationwide | Self & Family | 990.57 | 672.95 | 317.62 | 2146.24 | 1458.06 | 688.18 |
| Blue Cross and Blue Shield Service Benefit Plan | Basic Option | 33C | Nationwide | Self Plus One | 899.39 | 618.40 | 280.99 | 1948.68 | 1339.87 | 608.81 |
| Blue Cross and Blue Shield Service Benefit Plan | Standard Option | 33D | Nationwide | Self | 460.22 | 286.09 | 174.13 | 997.14 | 619.86 | 377.28 |
| Blue Cross and Blue Shield Service Benefit Plan | Standard Option | 33E | Nationwide | Self & Family | 1108.38 | 672.95 | 435.43 | 2401.49 | 1458.06 | 943.43 |
| Blue Cross and Blue Shield Service Benefit Plan | Standard Option | 33F | Nationwide | Self Plus One | 1006.44 | 618.40 | 388.04 | 2180.62 | 1339.87 | 840.75 |
| Blue Cross and Blue Shield Service Benefit Plan FEP Blue Focus | FEP Blue Focus | 35A | Nationwide | Self | 236.70 | 177.53 | 59.17 | 512.85 | 384.64 | 128.21 |
| Blue Cross and Blue Shield Service Benefit Plan FEP Blue Focus | FEP Blue Focus | 35B | Nationwide | Self & Family | 559.70 | 419.78 | 139.92 | 1212.68 | 909.51 | 303.17 |
| Blue Cross and Blue Shield Service Benefit Plan FEP Blue Focus | FEP Blue Focus | 35C | Nationwide | Self Plus One | 508.86 | 381.65 | 127.21 | 1102.53 | 826.90 | 275.63 |
| GEHA Benefit Plan - HDHP | High Deductible Health Plan | 39A | Nationwide | Self | 314.39 | 235.79 | 78.60 | 681.18 | 510.89 | 170.29 |
| GEHA Benefit Plan - HDHP | High Deductible Health Plan | 39B | Nationwide | Self & Family | 830.63 | 622.97 | 207.66 | 1799.70 | 1349.78 | 449.92 |
| GEHA Benefit Plan - HDHP | High Deductible Health Plan | 39C | Nationwide | Self Plus One | 675.94 | 506.96 | 168.98 | 1464.54 | 1098.41 | 366.13 |
| GEHA Benefit Plan - High and Standard | High Option | 37A | Nationwide | Self | 414.28 | 286.09 | 128.19 | 897.61 | 619.86 | 277.75 |
| GEHA Benefit Plan - High and Standard | High Option | 37B | Nationwide | Self & Family | 1038.17 | 672.95 | 365.22 | 2249.37 | 1458.06 | 791.31 |
| GEHA Benefit Plan - High and Standard | High Option | 37C | Nationwide | Self Plus One | 911.44 | 618.40 | 293.04 | 1974.79 | 1339.87 | 634.92 |
| GEHA Benefit Plan - High and Standard | Standard Option | 37D | Nationwide | Self | 297.44 | 223.08 | 74.36 | 644.45 | 483.34 | 161.11 |
| GEHA Benefit Plan - High and Standard | Standard Option | 37E | Nationwide | Self & Family | 790.13 | 592.60 | 197.53 | 1711.95 | 1283.96 | 427.99 |
| GEHA Benefit Plan - High and Standard | Standard Option | 37F | Nationwide | Self Plus One | 639.52 | 479.64 | 159.88 | 1385.63 | 1039.22 | 346.41 |
| GEHA Indemnity - Elevate Plus and Elevate | Elevate Plus Option | 58A | Nationwide | Self | 448.78 | 286.09 | 162.69 | 972.36 | 619.86 | 352.50 |
| GEHA Indemnity - Elevate Plus and Elevate | Elevate Plus Option | 58B | Nationwide | Self & Family | 1079.11 | 672.95 | 406.16 | 2338.07 | 1458.06 | 880.01 |
| GEHA Indemnity - Elevate Plus and Elevate | Elevate Plus Option | 58C | Nationwide | Self Plus One | 983.07 | 618.40 | 364.67 | 2129.99 | 1339.87 | 790.12 |
| GEHA Indemnity - Elevate Plus and Elevate | Elevate Option | 58D | Nationwide | Self | 272.55 | 204.41 | 68.14 | 590.53 | 442.90 | 147.63 |
| GEHA Indemnity - Elevate Plus and Elevate | Elevate Option | 58E | Nationwide | Self & Family | 800.49 | 600.37 | 200.12 | 1734.40 | 1300.80 | 433.60 |
| GEHA Indemnity - Elevate Plus and Elevate | Elevate Option | 58F | Nationwide | Self Plus One | 657.54 | 493.16 | 164.38 | 1424.67 | 1068.50 | 356.17 |
| MHBP Consumer Option | Consumer Option | 74A | Nationwide | Self | 377.73 | 283.30 | 94.43 | 818.42 | 613.82 | 204.60 |
| MHBP Consumer Option | Consumer Option | 74B | Nationwide | Self & Family | 877.67 | 658.25 | 219.42 | 1901.62 | 1426.22 | 475.40 |
| MHBP Consumer Option | Consumer Option | 74C | Nationwide | Self Plus One | 835.89 | 618.40 | 217.49 | 1811.10 | 1339.87 | 471.23 |
| MHBP Standard and Value Option | MHBP Value Plan | 73A | Nationwide | Self | 251.45 | 188.59 | 62.86 | 544.81 | 408.61 | 136.20 |
| MHBP Standard and Value Option | MHBP Value Plan | 73B | Nationwide | Self & Family | 607.67 | 455.75 | 151.92 | 1316.62 | 987.47 | 329.15 |
| MHBP Standard and Value Option | MHBP Value Plan | 73C | Nationwide | Self Plus One | 595.77 | 446.83 | 148.94 | 1290.84 | 968.13 | 322.71 |
| MHBP Standard and Value Option | MHBP Standard Option | 73D | Nationwide | Self | 328.88 | 246.66 | 82.22 | 712.57 | 534.43 | 178.14 |
| MHBP Standard and Value Option | MHBP Standard Option | 73E | Nationwide | Self & Family | 764.30 | 573.23 | 191.07 | 1655.98 | 1241.99 | 413.99 |
| MHBP Standard and Value Option | MHBP Standard Option | 73F | Nationwide | Self Plus One | 757.03 | 567.77 | 189.26 | 1640.23 | 1230.17 | 410.06 |
| NALC Health Benefit Plan | High Option | 77A | Nationwide | Self | 396.07 | 286.09 | 109.98 | 858.15 | 619.86 | 238.29 |
| NALC Health Benefit Plan | High Option | 77B | Nationwide | Self & Family | 911.37 | 672.95 | 238.42 | 1974.64 | 1458.06 | 516.58 |
| NALC Health Benefit Plan | High Option | 77C | Nationwide | Self Plus One | 884.48 | 618.40 | 266.08 | 1916.37 | 1339.87 | 576.50 |
| NALC Health Benefit Plan | CDHP | 77D | Nationwide | Self | 236.51 | 177.38 | 59.13 | 512.44 | 384.33 | 128.11 |
| NALC Health Benefit Plan | CDHP | 77E | Nationwide | Self & Family | 579.70 | 434.78 | 144.92 | 1256.02 | 942.02 | 314.00 |
| NALC Health Benefit Plan | CDHP | 77F | Nationwide | Self Plus One | 535.54 | 401.66 | 133.88 | 1160.34 | 870.26 | 290.08 |
| Rural Carrier Benefit Plan | High Option | 79A | Nationwide | Self | 432.60 | 286.09 | 146.51 | 937.30 | 619.86 | 317.44 |
| Rural Carrier Benefit Plan | High Option | 79B | Nationwide | Self & Family | 946.32 | 672.95 | 273.37 | 2050.36 | 1458.06 | 592.30 |
| Rural Carrier Benefit Plan | High Option | 79C | Nationwide | Self Plus One | 900.93 | 618.40 | 282.53 | 1952.02 | 1339.87 | 612.15 |