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FEHB HDHP 2025

The plan for smart savers who need coverage for today while planning for tomorrow.

Woman taking notes in front of a computer

FEHB HDHP plan highlights

  • The most popular high deductible health plan (HDHP) for federal employees
  • Get up to $2,000 from G.E.H.A into a health savings account1 (HSA) to use or qualified health care expenses now or in the future
  • Contribute your own dollars to the account tax-free and lower your yearly taxable income
  • Choose to invest your HSA savings and watch it grow tax-free as your money carries over year-to-year1
  • New HDHP members earn $80 when they open an HSA account with the G.E.H.A HDHP plan1
  • Pay no more than 5% out-of-pocket on all medical services after deductible

Shopping for a Postal plan? View the 2025 PSHB HDHP page

Shopping for 2024? View the 2024 HDHP plan



2025 FEHB rates

Pay frequency
Self Only
Self Plus One
Self and Family
Biweekly — employed
$76.27
$163.99
$201.52
Monthly — retired
$165.26
$355.31
$436.63
Pay frequency
Self Only
Self Plus One
Self and Family
Pay frequency
Biweekly — employed
Self Only
$76.27
Self Plus One
$163.99
Self and Family
$201.52
Pay frequency
Monthly — retired
Self Only
$165.26
Self Plus One
$355.31
Self and Family
$436.63
  1. These rates do not apply to all enrollees. If you are in a special enrollment category, please refer to the FEHB Program website or contact the agency or Tribal Employer that maintains your health benefits enrollment.

Costs (what you pay in-network)

In-network providers agree to limit what they will charge you. You pay a fixed dollar amount or a percentage of the provider's negotiated amount. For out-of-network benefits, check the G.E.H.A Plan Brochure.

Medical benefit
What you pay
Preventive care
Annual physical exam, routine screenings, immunizations and more
$0
Primary care office visits
5%2
Mental health office visits
5%2
Specialist office visit
5%2
MinuteClinic / Urgent care facility visit
5%2 / 5%2
Unlimited telehealth visits, including mental health, with  MDLIVE
$02,3
Emergency room visit
5%2
Hospital care; inpatient and outpatient
5%2 / 5%2
Lab services
5%2
X-Rays and other diagnostic services
5%2
Maternity; preventive & childbirth / delivery professional and facility services
$02
Chiropractic care (up to 20 visits per year)
5%2
Acupuncture (up to 20 visits per year)
5%2
Preventive dental care, twice yearly
$0
Medical benefit
What you pay
Medical benefit
Preventive care
Annual physical exam, routine screenings, immunizations and more
What you pay
$0
Medical benefit
Primary care office visits
What you pay
5%2

Deductible and out-of-pocket maximum

Network benefits4
Self Only
Self Plus One
Self and Family
Yearly deductible
(what you pay in-network)
$1,650;
G.E.H.A HSA contribution of $1,000; You pay $6505
$3,300;
G.E.H.A HSA contribution of $2,000; You pay $1,3005
$3,300;
G.E.H.A HSA contribution of $2,000; You pay $1,3005
Out-of-pocket maximum6
(what you pay in-network)
$6,000
$12,000
$12,000
Network benefits4
Self Only
Self Plus One
Self and Family
Network benefits4
Yearly deductible
(what you pay in-network)
Self Only
$1,650;
G.E.H.A HSA contribution of $1,000; You pay $6505
Self Plus One
$3,300;
G.E.H.A HSA contribution of $2,000; You pay $1,3005
Self and Family
$3,300;
G.E.H.A HSA contribution of $2,000; You pay $1,3005
Network benefits4
Out-of-pocket maximum6
(what you pay in-network)
Self Only
$6,000
Self Plus One
$12,000
Self and Family
$12,000

Prescription benefits

For added convenience and management of medications, prescription benefits include access to presorted multi-dose packets. Packets can be delivered to your home or, if available, picked up at a retail location. To find drug costs with the HDHP plan, use this handy check your drug costs tool.

Prescription benefit2,4,7
In-network
30-day retail generic
25%
30-day retail preferred brand-name
25%8
30-day retail non-preferred brand-name
40%8
90-day mail service generic
25%
90-day mail service preferred brand-name
25%8
90-day mail service non-preferred brand-name
40%8
30-day specialty CVS exclusive generic
25%
30-day specialty CVS exclusive preferred brand-name
25%8
30-day specialty CVS exclusive non-preferred brand-name
40%8
Prescription benefit2,4,7
In-network
Prescription benefit2,4,7
30-day retail generic
In-network
25%
Prescription benefit2,4,7
30-day retail preferred brand-name
In-network
25%8

HDHP benefits that go beyond

Vision benefits

G.E.H.A’s most comprehensive benefits for eye exams, frames, and lenses — especially in-network

Vision coverage
Health Rewards

Members get money back for completing simple and convenient health screenings


Health rewards
The power of the HSA

Take G.E.H.A's contributions, decide what you'll contribute and use the proceeds tax-free for all qualifying medical expenses

Health savings account

Ready to enroll?

Whether it’s HDHP or another G.E.H.A plan you’re considering, we can help.

Enroll now
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1 Investment products are not FDIC insured, are not a deposit or other obligation of or guaranteed by HSA Bank and are subject to investment risks. The information provided is for informational purposes only. It should not be considered legal or financial advice. You should consult with a professional to determine what may be best for your individual needs.

2 Calendar year deductible applies

3 HDHP members who have met their deductible will be charged by MDLIVE, but G.E.H.A will reimburse the member 100% of the plan allowance.

4 In-network providers agree to limit what they will charge you. You pay a fixed dollar amount or percentage of the provider’s negotiated amount.

5 The net deductible is the remaining amount after you subtract the annual G.E.H.A contribution from the annual deductible. This is your out-of-pocket cost before plan benefits begin.

6 The out-of-pocket maximum is the maximum amount of coinsurance, copays and deductibles you pay for all family members before G.E.H.A begins paying for 100% of covered services. This is a combined maximum for both medical care and prescriptions.

7 Refer to geha.com/Prescriptions for formulary and specialty coverage for specific medications.

8 If you choose a brand-name medication when a generic is available, you will be charged the generic copay plus the difference in cost between the brand-name and the generic.

This is a brief description of the features of the G.E.H.A High Deductible Health Plan (HDHP). Before making a final decision, please read the Plan’s Federal brochure RI 71-014. All benefits are subject to the definitions, limitations and exclusions set forth in the Federal brochure.

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Let our benefits experts help you choose a G.E.H.A plan that can work for you.


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Monday–Friday


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Schedule a benefits session
Current G.E.H.A member needing help?

Health questions: 1-800-821-6136

Dental questions: 1-877-434-2336