2025 PSHB health plans
Benefits that go beyond
Member founded, member built, member dedicated for postal employees and retirees
Get the coverage that millions of federal employees have counted on through the years. Compare PSHB health plans here to find one that fits your needs.
2025 PSHB health plan premiums
These rates do not apply to all enrollees. If you are in a special enrollment category, please refer to the PSHB Program website, contact the agency that maintains your health benefits enrollment or get information on Medicare Parts A & B.
|
|
Elevate
|
HDHP
|
Standard
|
Elevate Plus
|
High
|
|---|---|---|---|---|---|
|
Biweekly — employeed
|
$68.14
|
$78.60
|
$74.36
|
$162.69
|
$128.19
|
|
Monthly — retired
|
$147.63
|
$170.29
|
$161.11
|
$352.50
|
$277.75
|
|
|
Elevate
|
HDHP
|
Standard
|
Elevate Plus
|
High
|
|||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
|
Biweekly — employeed
|
Elevate
$68.14
|
HDHP
$78.60
|
Standard
$74.36
|
Elevate Plus
$162.69
|
High
$128.19
|
Monthly — retired
|
Elevate
$147.63
|
HDHP
$170.29
|
Standard
$161.11
|
Elevate Plus
$352.50
|
High
$277.75
|
|
|
Elevate
|
HDHP
|
Standard
|
Elevate Plus
|
High
|
|---|---|---|---|---|---|
|
Biweekly — employeed
|
$164.38
|
$168.98
|
$159.88
|
$364.67
|
$293.04
|
|
Monthly — retired
|
$356.17
|
$366.13
|
$346.41
|
$790.12
|
$634.92
|
|
|
Elevate
|
HDHP
|
Standard
|
Elevate Plus
|
High
|
|||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
|
Biweekly — employeed
|
Elevate
$164.38
|
HDHP
$168.98
|
Standard
$159.88
|
Elevate Plus
$364.67
|
High
$293.04
|
Monthly — retired
|
Elevate
$356.17
|
HDHP
$366.13
|
Standard
$346.41
|
Elevate Plus
$790.12
|
High
$634.92
|
|
|
Elevate
|
HDHP
|
Standard
|
Elevate Plus
|
High
|
|---|---|---|---|---|---|
|
Biweekly — employeed
|
$200.12
|
$207.66
|
$197.53
|
$406.16
|
$365.22
|
|
Monthly — retired
|
$433.60
|
$449.92
|
$427.99
|
$880.01
|
$791.31
|
|
|
Elevate
|
HDHP
|
Standard
|
Elevate Plus
|
High
|
|||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
|
Biweekly — employeed
|
Elevate
$200.12
|
HDHP
$207.66
|
Standard
$197.53
|
Elevate Plus
$406.16
|
High
$365.22
|
Monthly — retired
|
Elevate
$433.60
|
HDHP
$449.92
|
Standard
$427.99
|
Elevate Plus
$880.01
|
High
$791.31
|
G.E.H.A PSHB health plans at a glance
Elevate
See plan details- Lowest premium plan, to keep more dollars in your pocket each month
- Low copays on primary care, specialist visits and generic prescription drugs
- $10 copay for primary care office visits, mental health office visits and MinuteClinic visits
- Money back for staying engaged in your health with our Wellness Pays rewards
- $0 copay telehealth from MDLIVE for unlimited access to care when you need it
- Early career, self coverage
- Wellness-oriented, cost-conscious, low health care usage
HDHP
See plan details- The most popular HDHP for federal employees
- Unlimited telehealth visits, including mental health, with MDLIVE
- Routine vision and preventive dental benefits included
- Up to $2,000 deposited by G.E.H.A into your tax-advantaged health savings account (HSA)
- NEW! Earn $80 when you open a new HSA
- Early or established career, self / self plus one coverage
- Future planning, cost-conscious, low health care usage
Standard
See plan details- A great choice for growing families, with 100% maternity coverage
- Low copays on the services families use most, low generic prescription costs
- Infertility and drug coverage for artificial insemination and preauthorized IVF
- For retirees, pairs well with Medicare to give you more coverage, less out-of-pocket
- $0 preventive care like annual physical, routine screenings and well-child care
- Established, mid-to-late career, self plus one / self and family
- Family-focused, traditional care and coverage, average health care usage
Elevate Plus
See plan details- A great choice for growing families, with 100% maternity coverage
- Low copays on the services families use most, low generic prescription costs
- Infertility and drug coverage for artificial insemination and preauthorized IVF
- Money back for staying engaged in your health with our Wellness Pays rewards
- $0 copay telehealth from MDLIVE for unlimited access to care when you need it
- Established or mid-career, self plus one / self and family
- Family-focused, proactive, average-to-high health care usage
High Option
See plan details- Low copays for doctor visits
- Comprehensive brand-name and specialty prescription coverage
- Pairs well with Medicare Parts A and B to maximize your coverage and benefits
- Pairs well with Medicare Parts A and B to maximize your coverage and benefits
- Earn $250 per subscriber and covered spouse (up to $500 total) for healthy behaviors with our Health Rewards
- Mid-career and into retirement
- Dependable, rich benefits and coverage, use more health care services
Elevate
- Lowest premium plan, to keep more dollars in your pocket each month
- Low copays on primary care, specialist visits and generic prescription drugs
- $10 copay for primary care office visits, mental health office visits and MinuteClinic visits
- Early career, self coverage
- Money back for staying engaged in your health with our Wellness Pays rewards
- $0 copay telehealth from MDLIVE for unlimited access to care when you need it
- Wellness-oriented, cost-conscious, low health care usage
HDHP
- The most popular HDHP for federal employees
- Unlimited telehealth visits, including mental health, with MDLIVE
- Routine vision and preventive dental benefits included
- Early or established career, self / self plus one coverage
- Up to $2,000 deposited by G.E.H.A into your tax-advantaged health savings account (HSA)
- NEW! Earn $80 when you open a new HSA
- Future planning, cost-conscious, low health care usage
Standard
- A great choice for growing families, with 100% maternity coverage
- Low copays on the services families use most, low generic prescription costs
- Infertility and drug coverage for artificial insemination and preauthorized IVF
- Established, mid-to-late career, self plus one / self and family
- For retirees, pairs well with Medicare to give you more coverage, less out-of-pocket
- $0 preventive care like annual physical, routine screenings and well-child care
- Family-focused, traditional care and coverage, average health care usage
Elevate Plus
- A great choice for growing families, with 100% maternity coverage
- Low copays on the services families use most, low generic prescription costs
- Infertility and drug coverage for artificial insemination and preauthorized IVF
- Established or mid-career, self plus one / self and family
- Money back for staying engaged in your health with our Wellness Pays rewards
- $0 copay telehealth from MDLIVE for unlimited access to care when you need it
- Family-focused, proactive, average-to-high health care usage
High Option
- Low copays for doctor visits
- Comprehensive brand-name and specialty prescription coverage
- Pairs well with Medicare Parts A and B to maximize your coverage and benefits
- Mid-career and into retirement
- Pairs well with Medicare Parts A and B to maximize your coverage and benefits
- Earn $250 per subscriber and covered spouse (up to $500 total) for healthy behaviors with our Health Rewards
- Dependable, rich benefits and coverage, use more health care services
Ready to enroll in your PSHB plan?
Get the coverage you need and the benefits you deserve.
Get help from a federal benefits expert.
Talk with a FedViser to help you choose the plan that works for you.
Monday–Friday (7 a.m.–7 p.m. Central time)
More ways to connect
More ways to connect
Schedule a benefits session
Current G.E.H.A member needing help?
Your rewards and discounts
G.E.H.A health plans include rewards for healthy living and savings on valuable products and services
Get rewarded
Programs for member to earn money for healthy lifestyle behaviors
Vision benefits1
Significant savings on eye exams, frames and lenses through EyeMed®
Hearing aid discounts1
Discounts on hearing aids through TruHearing® can average more than $2,600 per pair.
1 These benefits are neither offered nor guaranteed under contract with the FEHB Program, but are made available to all Enrollees who become members of a GEHA medical plan and their eligible family members. For information on year-round savings for GEHA dental members, visit Savings for GEHA dental members.
2 Plan perk only offered to Elevate members.