Helping Federal Employees and Annuitants Understand Their Benefits
The 2025 FEHB Open Season will run from November 11, 2024 through
December 9, 2024.
Federal regulations require an annual Open Season to be held each year from the Monday of the second full workweek in November through the Monday of the second full workweek in December. This is the time to review and select your 2025 plans.
Click on this banner to sign up for a complimentary retirement planning
session and a
FREE retirement planning report
(The overall average FEHB premium is increasing 13,5% for plan year 2025 and the new rates were announced this week. The overall FEDVIP average premium for dental plans is increasing by 2.97 percent, and the average premium for vision plans will increase .87 percent.
2025 FEHB Premiums Increasing an average of 13.5%!
Open Season enrollment changes take effect the first day of your first full pay period in January of the following year. Certain life events also provide an opportunity to change plans such as marriage, birth of a child, a move out of the service area of your plan, and other qualifying events.
Many federal annuitants select a lower cost FEHB plan when they reach age 65 after they sign up for Medicare. Medicare A is free for most however Medicare Part B charges a monthly premium of $174.70 in 2024 (or higher depending on your income).
The premiums are income adjusted as well and joint income taxes filers who choose to work in retirement or have other income paid as high as 560.50 a month in 2024 for Medicare Part B coverage. Review your Medicare and FEHB options when you turn 65.
2025
FEHB & PSHB Premiums Rise Abruptly
2025
FEHB and PSHB Premium Rates
2025 Plan Brochures (Available
in November)
The FEHB / PSHB Open Season gives Federal employees and retirees the opportunity to review the new rates and benefits and change their health care coverage if desired. The upcoming Open Season will also give employees and retirees the chance to select supplemental dental and/or vision coverage. In addition, Federal employees can elect to participate in a tax-deferred Flexible Spending Account (FSA) for health care and/or dependent care.
The Federal Employees Health Benefits (FEHB) Program has important features, including a wide choice of health plans and competitive benefit packages as well as no health insurance pre existing conditions limitations or waiting periods.
2025 Open Season (November 11, 2024 through December 9, 2024)
You are now able to manage your FEHB account online. To register you will need your Annuity Claim Number and they will ask you to enter a unique user name and password to activate your account. You must register again for each new open season even though you registered for the previous year. I annotated the web site address, user name, and password in the "Federal Retirement Benefits" booklet that I received when I first retired for future reference. Go to https://retireefehb.opm.gov to register and view your options. This service allows you to change enrollment, view transaction history, change or add dependent information, and request health care plan brochures.