Dedicated solely to the well-being of federal employees
Your health is not our business, it's our purpose.
You are why we're here
G.E.H.A was founded by federal workers, for federal workers. For nearly 90 years, we’ve served those who serve us all, so we focus on benefits, not bottom lines. Your well-being is our reason for being.
2026 FEHB plan brochures and prospect guides
Find details on all of our 2026 plans.
Find your health plan
Elevate
See plan details- Low copays on the services you use most — primary care and specialist visits and generic prescription drugs
- Earn up to $500 per year per subscriber and covered spouse (up to $1,000 total) by staying engaged in your health with Wellness Pays rewards
- Unlimited access to care when you need it with $0 copay telehealth from MDLIVE
- Included vision discount at no additional cost1
- Wellness-oriented, cost-conscious, low health care usage
- Early career, self coverage
HDHP
See plan details- A popular HDHP plan chosen by federal employees
- Get up to $2,000 from G.E.H.A into a health savings account (HSA) to use for qualified health care expenses now or in the future2
- Contribute your own dollars to the account tax-free and lower your yearly taxable income3
- Choose to invest your HSA savings and watch it grow tax-free as your money carries over year-to-year3
- Plus, get a $100 contribution when you open a new HSA account
- Pay no more than 5% out-of-pocket on all medical services after deductible
- Included vision at no additional cost
- Future planning, cost-conscious, low health care usage
- Early or established career, self / self plus one coverage
Standard
See plan details- Low deductible and predictable copays for the services families use most
- 100% maternity physician coverage for your growing family, including doula services, preconception program and maternal mental health visits with an in-network provider
- Earn up to $250 per year per subscriber and covered spouse (up to $500 total) for healthy behaviors with our Health Rewards program
- For retirees, the plan that pairs with Medicare to give you more, with waived coinsurance and copays, excluding prescription benefits
- Included vision discount at no additional cost1
- Family-focused, traditional care and coverage, average health care usage
- Established, mid-to-late career, self plus one / self and family
Elevate Plus
See plan details- Predictable copays for primary care, specialists and other frequently used services
- Earn up to $500 per year per subscriber and covered spouse (up to $1,000 total) by staying engaged in your health with Wellness Pays rewards
- Unlimited access to care when you need it with $0 copay telehealth (including mental health) from MDLIVE
- Included vision discount at no additional cost1
- Family-focused, proactive, average-to-high health care usage
- Established or mid-career, self plus one / self and family
High
See plan details- Comprehensive brand-name and specialty prescription drug coverage
- Low copays for doctor visits
- Earn up to $250 per year per subscriber and covered spouse (up to $500 total) for healthy behaviors with our Health Rewards program
- For retirees, the plan that pairs with Medicare to give you more, with waived coinsurance and copays for Medicare covered services, excluding prescription benefits
- Medicare annuitants receive a $1,000 annual Medicare Part B premium reimbursement
- Included vision discount at no additional cost1
- Dependable, rich benefits and coverage, use more health care services
- Mid-career and into retirement
Elevate
- Low copays on the services you use most — primary care and specialist visits and generic prescription drugs
- Earn up to $500 per year per subscriber and covered spouse (up to $1,000 total) by staying engaged in your health with Wellness Pays rewards
- Unlimited access to care when you need it with $0 copay telehealth from MDLIVE
- Included vision discount at no additional cost1
- Early career, self coverage
- Wellness-oriented, cost-conscious, low health care usage
HDHP
- A popular HDHP plan chosen by federal employees
- Get up to $2,000 from G.E.H.A into a health savings account (HSA) to use for qualified health care expenses now or in the future2
- Contribute your own dollars to the account tax-free and lower your yearly taxable income3
- Choose to invest your HSA savings and watch it grow tax-free as your money carries over year-to-year3
- Plus, get a $100 contribution when you open a new HSA account
- Pay no more than 5% out-of-pocket on all medical services after deductible
- Included vision at no additional cost
- Early or established career, self / self plus one coverage
- Future planning, cost-conscious, low health care usage
Standard
- Low deductible and predictable copays for the services families use most
- 100% maternity physician coverage for your growing family, including doula services, preconception program and maternal mental health visits with an in-network provider
- Earn up to $250 per year per subscriber and covered spouse (up to $500 total) for healthy behaviors with our Health Rewards program
- For retirees, the plan that pairs with Medicare to give you more, with waived coinsurance and copays, excluding prescription benefits
- Included vision discount at no additional cost1
- Established, mid-to-late career, self plus one / self and family
- Family-focused, traditional care and coverage, average health care usage
Elevate Plus
- Predictable copays for primary care, specialists and other frequently used services
- Earn up to $500 per year per subscriber and covered spouse (up to $1,000 total) by staying engaged in your health with Wellness Pays rewards
- Unlimited access to care when you need it with $0 copay telehealth (including mental health) from MDLIVE
- Included vision discount at no additional cost1
- Established or mid-career, self plus one / self and family
- Family-focused, proactive, average-to-high health care usage
High
- Comprehensive brand-name and specialty prescription drug coverage
- Low copays for doctor visits
- Earn up to $250 per year per subscriber and covered spouse (up to $500 total) for healthy behaviors with our Health Rewards program
- For retirees, the plan that pairs with Medicare to give you more, with waived coinsurance and copays for Medicare covered services, excluding prescription benefits
- Medicare annuitants receive a $1,000 annual Medicare Part B premium reimbursement
- Included vision discount at no additional cost1
- Mid-career and into retirement
- Dependable, rich benefits and coverage, use more health care services
Virtual Open Season events to help guide your decision
Watch an on-demand webinar or attend one of our Virtual Benefit Fairs
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Let us guide you to the best coverage for you.
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1 These benefits are neither offered nor guaranteed under contract with the FEHB Program but are made to all Enrollees who become members of a G.E.H.A health plan and their eligible family members.
2 See IRS Publications 502 and 969 for more information regarding qualified medical expenses, health savings accounts, and health reimbursement arrangements.
3 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.
This is a brief description of the features of Government Employees Health Association, Inc.'s health plans. Before making a final decision, please read the G.E.H.A Federal brochures which are available at geha.com/PlanBrochure. All benefits are subject to the definitions, limitations and exclusions set forth in the Federal brochures.