Guide to Health Plans For Federal Employees, 2025 FEHB Open Season

<!DOCTYPE html> <html lang="en"> <head> <meta name="description" content="Checkbook's Guide to Health Plans helps active and retired federal employees find the best FEHB and FEDVIP plan for themselves and their family."> <meta name="keywords" content=""> <meta charset="utf-8"> <meta http-equiv="X-UA-Compatible" content="IE=edge"> <meta name="viewport" content="width=device-width, initial-scale=1"> <title>Guide to Health Plans For Federal Employees, 2025 FEHB Open Season</title> <link href="https://cdn.jsdelivr.net/npm/bootstrap@5.0.2/dist/css/bootstrap.min.css" rel="stylesheet" integrity="sha384-EVSTQN3/azprG1Anm3QDgpJLIm9Nao0Yz1ztcQTwFspd3yD65VohhpuuCOmLASjC" crossorigin="anonymous"> <link href="//fonts.googleapis.com/css?family=Open+Sans:300,300i,400,400i,500,700" rel="stylesheet"> <link href="/newhig2/assets/css/hig.css" rel="stylesheet"> <link href="/newhig2/assets/css/font-awesome.min.css" rel="stylesheet"> <link rel="stylesheet" href="/newhig2/assets/css/glide.core.min.css"> 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align-items-center gap-0 gap-lg-5"> <img src="./assets/img/hero.svg" class="hero-img" alt="" aria-hidden="true"> <div class="d-flex flex-column gap-4"> <h1 class="text-center text-lg-start">Find the Federal Employee Health Benefits (FEHB) plan that's best for you.</h1> <p class="text-start">For nearly 50 years, the Guide to Health Plans has helped federal employees and retirees navigate the complexities of FEHB and better understand their plan options.</p> <div class="d-flex flex-column"> <a href='/newhig2/year25/membership/orderonline.cfm' class="btn btn-fehb btn-lg btn-hero mb-2">Buy now</a> <a href="/newhig2/year25/more.cfm" class="text-dark text-dark text-center text-lg-start">Does my agency provide access to this tool?</a> </div> </div> </section> </div> </div> <div class="bg-light py-4 py-lg-5 px-1"> <div class="container pb-4"> <section class="guide d-flex flex-column justify-content-center align-items-center gap-0 gap-lg-5 pb-5"> <h2 class="text-center">How Can the Guide to Health Plans Help You?</h2> <div class="guide-glide-wrapper pt-4 pt-lg-0"> <div id="guide-slider" class="glide glide-guide" aria-roledescription="carousel"> <div class="glide__track" data-glide-el="track"> <ul class="glide__slides"> <li class="glide__slide" aria-label="Carousel Slide 0" aria-roledescription="slide"> <div class="guide-help-card card align-items-center p-3"> <h3>Personalized Cost Estimates</h3> <p>See total cost estimates for all FEHB plans (premium + likely out-of-pocket costs)</p> <div class="img-container"><img src="./assets/img/carousel_1.svg" alt="" aria-hidden="true"></div> </div> </li> <li class="glide__slide" aria-label="Carousel Slide 1" aria-roledescription="slide"> <div class="guide-help-card card align-items-center p-3"> <h3>Medicare Coordination</h3> <p>See how Medicare coverage impacts your FEHB plan, learn about Medicare Advantage plans, and find which plans reduce your costs with Medicare</p> <div class="img-container"><img src="./assets/img/carousel_2.svg" alt="" aria-hidden="true"></div> </div> </li> <li class="glide__slide" aria-label="Carousel Slide 2" aria-roledescription="slide"> <div class="guide-help-card card align-items-center p-3"> <h3>Dental Comparisons</h3> <p>Compare FEHB and FEDVIP plans on low, average, and high dental expense years</p> <div class="img-container"><img src="./assets/img/carousel_3.svg" alt="" aria-hidden="true"></div> </div> </li> <li class="glide__slide" aria-label="Carousel Slide 3" aria-roledescription="slide"> <div class="guide-help-card card align-items-center p-3"> <h3>Need Extra Help?</h3> <p>Send your FEHB questions directly to our plan experts</p> <div class="img-container"><img src="./assets/img/carousel_4.svg" alt="" aria-hidden="true"></div> </div> </li> <li class="glide__slide" aria-label="Carousel Slide 4" aria-roledescription="slide"> <div class="guide-help-card card align-items-center p-3"> <h3>Expert Advice</h3> <p>Access our advice articles to learn more about how FEHB works and strategies to save money on healthcare expenses</p> <div class="img-container"><img src="./assets/img/carousel_5.svg" alt="" aria-hidden="true"></div> </div> </li> <li class="glide__slide" aria-label="Carousel Slide 5" aria-roledescription="slide"> <div class="guide-help-card card align-items-center p-3"> <h3>Independent. Nonprofit.</h3> <p>No ads or commissions means you can trust our ratings and advice</p> <div class="img-container"><img src="./assets/img/carousel_6.svg" alt="" aria-hidden="true"></div> </div> </li> </ul> </div> <div class="glide__arrows" data-glide-el="controls"> <button tabindex="-1" aria-hidden="true" class="glide__arrow glide__arrow--left" data-glide-dir="<"><span class='carousel-control-prev-icon'></span></button> <button tabindex="-1" aria-hidden="true" class="glide__arrow glide__arrow--right" data-glide-dir=">"><span class='carousel-control-next-icon'></span></button> </div> <div class="glide__bullets" data-glide-el="controls[nav]"> <button class="glide__bullet" data-glide-dir="=0" aria-label="Move to Slide 0"></button> <button class="glide__bullet" data-glide-dir="=1" aria-label="Move to Slide 1"></button> <button class="glide__bullet" data-glide-dir="=2" aria-label="Move to Slide 2"></button> <button class="glide__bullet" data-glide-dir="=3" aria-label="Move to Slide 3"></button> <button class="glide__bullet d-md-none" data-glide-dir="=4" aria-label="Move to Slide 4"></button> <button class="glide__bullet d-md-none" data-glide-dir="=5" aria-label="Move to Slide 5"></button> </div> </div> <script> new Glide('#guide-slider', { type: 'slider', startAt: 0, perView: 3, focusAt : '0', rewind: false, bound: true, gap: 20, animationDuration: 450, slideWidth: 290, breakpoints : { 768: { slideWidth: 243, perView: 1, focusAt : 'center', }, 1200: { slideWidth: 275, perView: 2, focusAt : '0', } } }).mount() </script> </div> </section> </div> </div> <div class="py-4 py-lg-5 px-1"> <div class="container"> <section class="guide-video d-flex flex-column justify-content-center align-items-center gap-4"> <h2>How the Guide Works</h2> <div class="quote-box" > <div class='embed-container'> <iframe src="https://player.vimeo.com/video/537450247" frameborder="0" allow="autoplay; fullscreen"></iframe> </div> </div> </section> </div> </div> <div class="bg-light py-4 py-lg-5 pb-6 px-1"> <section class="advice d-flex flex-column justify-content-center align-items-center gap-4 px-4"> <h2>Advice From Our FEHB Experts</h2> <div class="row"> <div class="d-flex col-12 col-lg-6 pb-3"> <div class="card advice-card px-3 py-2" data-component="card"> <h3 class="mt-2"><a href="https://help.checkbook.org/article/451-opm-releases-fehb-policy-goals-and-initiatives-for-plan-year-2026" class="main-link">OPM Releases FEHB Policy Goals and Initiatives for Plan Year 2026</a></h3> <div class="mb-3"> <a href="https://help.checkbook.org/category/205-latest-news" class="badge badge-primary">Latest News</a> </div> <p> <span class="d-md-none"> OPM has issued its annual carrier call letter outlining policy goals and initiatives for the 2026 plan year...<span><a class="read-more-link" href="https://help.checkbook.org/article/451-opm-releases-fehb-policy-goals-and-initiatives-for-plan-year-2026">Read more<span class="sr-only"> about OPM Releases FEHB Policy Goals and Initiatives for Plan Year 2026</span></a></span></span> <span class="d-none d-md-inline-block"> OPM has issued its annual carrier call letter outlining policy goals and initiatives for the 2026 plan year. It emphasizes two main themes: streamlining how FEHB plans work to reduce friction experienced by federal employees and annuitants... <span> <a class="read-more-link" href="https://help.checkbook.org/article/451-opm-releases-fehb-policy-goals-and-initiatives-for-plan-year-2026">Read more <span class="sr-only"> about OPM Releases FEHB Policy Goals and Initiatives for Plan Year 2026</span> </a> </span> </span> </p> </div> </div> <div class="d-flex col-12 col-lg-6 pb-3"> <div class="card advice-card px-3 py-2" data-component="card"> <h3 class="mt-2"><a href="https://help.checkbook.org/article/450-why-federal-employees-working-past-age-65-can-delay-medicare-enrollment" class="main-link">Why Federal Employees Working Past Age 65 Can Delay Medicare Enrollment</a></h3> <div class="mb-3"> <a href="https://help.checkbook.org/category/205-latest-news" class="badge badge-primary">Latest News</a> </div> <p> <span class="d-md-none">Medicare eligibility typically begins at age 65. Most individuals have a seven-month enrollment period that...<span><a class="read-more-link" href="https://help.checkbook.org/article/450-why-federal-employees-working-past-age-65-can-delay-medicare-enrollment">Read more<span class="sr-only"> about Why Federal Employees Working Past Age 65 Can Delay Medicare Enrollment</span></a></span></span> <span class="d-none d-md-inline-block"> Medicare eligibility typically begins at age 65. Most individuals have a seven-month enrollment period that starts three months before their birthday, includes their birth month, and ends three months after... <span> <a class="read-more-link" href="https://help.checkbook.org/article/450-why-federal-employees-working-past-age-65-can-delay-medicare-enrollment">Read more <span class="sr-only"> about Why Federal Employees Working Past Age 65 Can Delay Medicare Enrollment</span> </a> </span> </span> </p> </div> </div> <div class="d-flex col-12 col-lg-6 pb-3"> <div class="card advice-card px-3 py-2" data-component="card"> <h3 class="mt-2"><a href="https://help.checkbook.org/article/446-medicare-part-d-will-benefit-most-federal-annuitants" class="main-link">Medicare Part D Will Benefit Most Federal Annuitants</a></h3> <div class="mb-3"> <a href="https://help.checkbook.org/category/205-latest-news" class="badge badge-primary">Latest News</a> </div> <p> <span class="d-md-none">Medicare eligibility typically begins at age 65. Most individuals have a seven-month enrollment period that...<span><a class="read-more-link" href="https://help.checkbook.org/article/446-medicare-part-d-will-benefit-most-federal-annuitants">Read more<span class="sr-only"> about Medicare Part D Will Benefit Most Federal Annuitants</span></a></span></span> <span class="d-none d-md-inline-block"> In 2024, OPM allowed FEHB plans to begin offering Part D coverage to Medicare-eligible enrollees. To be included, the Part D plan must provide prescription drug coverage that, when combined with an existing FEHB... <span> <a class="read-more-link" href="https://help.checkbook.org/article/446-medicare-part-d-will-benefit-most-federal-annuitants">Read more <span class="sr-only"> about Medicare Part D Will Benefit Most Federal Annuitants</span> </a> </span> </span> </p> </div> </div> <div class="d-flex col-12 col-lg-6 pb-3"> <div class="card advice-card px-3 py-2" data-component="card"> <h3 class="mt-2"><a href="https://help.checkbook.org/article/445-2025-fehb-open-season-checklist" class="main-link">2025 FEHB Open Season Checklist</a></h3> <div class="mb-3"> <a href="https://help.checkbook.org/category/205-latest-news" class="badge badge-primary">Latest News</a> </div> <p> <span class="d-md-none">FEHB Open Season has arrived, offering federal employees an opportunity to review and adjust their plan for next year...<span><a class="read-more-link" href="https://help.checkbook.org/article/445-2025-fehb-open-season-checklist">Read more<span class="sr-only"> about 2025 FEHB Open Season Checklist</span></a></span></span> <span class="d-none d-md-inline-block"> FEHB Open Season has arrived, offering federal employees an opportunity to review and adjust their plan for next year. With premiums increasing in most plans and potential changes to benefits, it's important to ... <span> <a class="read-more-link" href="https://help.checkbook.org/article/445-2025-fehb-open-season-checklist">Read more <span class="sr-only"> about 2025 FEHB Open Season Checklist</span> </a> </span> </span> </p> </div> </div> <div class="d-flex col-12 pb-3 justify-content-lg-end"> <a href="https://help.checkbook.org/" target="_blank" class="btn btn-fehb w-100 w-lg-25">View all advice articles</a> </div> </div> </section> </div> <script> const cards = document.querySelectorAll(".advice-card"); const clickableElements = Array.from(document.querySelectorAll("a.main-link")); /*clickableElements.forEach((ele) => ele.addEventListener("click", (e) => e.preventDefault()) );*/ function handleClickLink(event, link) { const noTextSelected = !window.getSelection().toString(); if (noTextSelected) { window.location.href = link.href; } } cards.forEach((ele) => { let link = ele.querySelector(".main-link"); ele.addEventListener("click", (e) => handleClickLink(e, link) ); }); </script> <div class="bg-light"> <section class="more-info d-flex flex-column flex-lg-row justify-content-center align-items-center"> <div class="more-info-column left d-flex flex-column justify-content-center align-items-center p-5 p-lg-0"> <div class="info-container d-flex flex-column text-center text-lg-start justify-content-center"> <h2>Looking for more information?</h2> <p>Check out our YouTube videos where we share advice and answer your questions about FEHB benefits and plan selection.</p> <a href="https://www.youtube.com/@CheckbookHealth" target="_blank" class="btn btn-youtube d-flex align-items-center justify-content-center"><i class="fa fa-share-square-o me-2 mt-1" aria-hidden="true"></i>Youtube channel</a> </div> </div> <div class="more-info-column right d-flex flex-column justify-content-center align-items-center align-self-stretch pb-5 pb-lg-0"> <div class="video-glide-wrapper pb-5 pb-xl-0"> <div class="glide glide-video" aria-roledescription="carousel"> <div class="glide__track" data-glide-el="track"> <ul class="glide__slides"> <li class="glide__slide" aria-label="Carousel Slide 0" aria-roledescription="slide"> <div class="video-card card"> <div class='embed-container mb-3'> <iframe src="https://www.youtube.com/embed/2sAe-YnHwgA" title="Youtube Video player for A Closer Look at 2025 FEHB Premiums" frameborder="0" allow="fullscreen;picture-in-picture"></iframe> </div> <div class="d-flex flex-row justify-content-between gap-3"> <a href="https://www.youtube.com/2sAe-YnHwgA" target="_blank" class="video-title">A Closer Look at 2025 FEHB Premiums</a> </div> </div> </li> <li class="glide__slide" aria-label="Carousel Slide 1" aria-roledescription="slide"> <div class="video-card card"> <div class='embed-container mb-3'> <iframe src="https://www.youtube.com/embed/Uuf2EKpAgQw" title="Youtube Video player for USPS Part B Special Enrolled Period: Should USPS Annuitants Enroll in Part B?" frameborder="0" allow="fullscreen;picture-in-picture"></iframe> </div> <div class="d-flex flex-row justify-content-between gap-3"> <a href="https://www.youtube.com/Uuf2EKpAgQw" target="_blank" class="video-title">USPS Part B Special Enrolled Period: Should USPS Annuitants Enroll in Part B?</a> </div> </div> </li> <li class="glide__slide" aria-label="Carousel Slide 2" aria-roledescription="slide"> <div class="video-card card"> <div class='embed-container mb-3'> <iframe width="1920" height="1080" src="https://www.youtube.com/embed/4QH7tOB7gT8" frameborder="0"></iframe> </div> <div class="d-flex flex-row justify-content-between gap-3"> <a href="https://www.youtube.com/4QH7tOB7gT8" target="_blank" class="video-title">How To Decide if Medicare Part D Is Right For You | Reasons You Should or Shouldn't...</a> </div> </div> </li> <li class="glide__slide" aria-label="Carousel Slide 3" aria-roledescription="slide"> <div class="video-card card"> <div class='embed-container mb-3'> <iframe width="1920" height="1080" src="https://www.youtube.com/embed/t6DCbw8Nl5M" frameborder="0"></iframe> </div> <div class="d-flex flex-row justify-content-between gap-3"> <a href="https://www.youtube.com/t6DCbw8Nl5M" target="_blank" class="video-title">Weight Loss Drugs: How are FEHB and Medicare Covering Them?</a> </div> </div> </li> <li class="glide__slide" aria-label="Carousel Slide 4" aria-roledescription="slide"> <div class="video-card card"> <div class='embed-container mb-3'> <iframe width="1920" height="1080" src="https://www.youtube.com/embed/eVWiCIQpEOE" frameborder="0"></iframe> </div> <div class="d-flex flex-row justify-content-between gap-3"> <a href="https://www.youtube.com/eVWiCIQpEOE" target="_blank" class="video-title">FEHB and FEDVIP: What You Need to Know about Dental Care</a> </div> </div> </li> </ul> </div> <div class="glide__arrows" data-glide-el="controls"> <button tabindex="-1" aria-hidden="true" class="glide__arrow 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It makes it easy to compare all the choices. I highly recommend it. It has saved me hundreds of dollars over the last couple years." </p> <p>Joe C | Federal Employee</p> </div> <div class="here-to-help-img"><img aria-hidden="true" alt="" src="./assets/img/we_are_here_to_help_you.svg" /></div> </div> </section> </div> </div> <div class="bg-light py-4 py-lg-5 px-1"> <div class="container"> <section class="featured-in d-flex flex-column justify-content-center align-items-center gap-4"> <h2>Featured In</h2> <div class="d-flex flex-row flex-wrap justify-content-center justify-content-lg-between align-items-center gap-2 gap-md-5"> <a target="_blank" href="https://federalnewsnetwork.com/feds-with-benefits/2024/08/feds-with-benefits-an-introduction-and-advice-about-medicare-part-b/" class="d-flex justify-content-center"> <img class="featured-in-img h-50px" alt="Federal News Network Logo" src="./assets/img/federal-news-network-logo.svg" /><span class="sr-only text-dark"> Opens in new window</span> </a> <a target="_blank" href="https://www.fedsmith.com/2024/04/01/weight-loss-drug-coverage-from-fehb-plans/" class="d-flex justify-content-center"> <img class="featured-in-img h-80px" alt="Fedsmith Logo" src="./assets/img/fedsmith-logo.png" /><span class="sr-only text-dark"> Opens in new window</span> </a> <a target="_blank" href="https://www.govexec.com/pay-benefits/2024/08/how-decide-if-medicare-part-d-right-you/398775/?oref=ge-author-river" class="d-flex justify-content-center"> <img class="featured-in-img h-80px" alt="Government Executive" src="./assets/img/gov-exec-logo.svg" /><span class="sr-only text-dark"> Opens in new window</span> </a> </div> </section> </div> </div> <div class="py-4 py-lg-5 px-1"> <div class="container"> <section class="other-services d-flex flex-column justify-content-center align-items-center gap-4"> <h2>Other Consumers' Checkbook Services</h2> <div class="row"> <div class="col-12 mb-4 col-sm-6"> <div class="card other-services-card d-flex flex-column justify-content-center align-items-center p-3 gap-3"> <div class="img-container"> <img class="w-100" src="./assets/img/other_services_1.svg" aria-hidden="true" alt="" /> </div> <h3 class="text-center">Consumers' Checkbook</h3> <p>We are the only nonprofit, independent, and unbiased local ratings resource providing ratings, reviews, and advice on local services from accountants to doctors to plumbers to vets to window installers, and everything in between. Unlike other ratings websites, we accept no advertising, referral fees, or kickbacks from the businesses rated.</p> <a href="https://www.checkbook.org" target="_blank" class="btn btn-fehb-inverse w-100 d-flex align-items-center justify-content-center"><i class="fa fa-share-square-o me-2 mt-1" aria-hidden="true"></i>Consumers' Checkbook<span class="sr-only"> (opens a new window)</span></a> </div> </div> <div class="col-12 mb-4 col-sm-6"> <div class="card other-services-card d-flex flex-column justify-content-center align-items-center p-3 gap-3"> <div class="img-container pt-3"> <img class="w-100" src="./assets/img/other_services_2.svg" aria-hidden="true" alt="" /> </div> <h3 class="text-center">Guide to FEDVIP Dental and Vision Plans</h3> <p> Are you a TRICARE Retiree or an active duty uniformed service family member? 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Guide to Health Plans For Federal Employees, 2025 FEHB Open Season