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PSHB HDHP 2027

The plan for savers who want comprehensive coverage while planning for their financial future

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2026 PSHB HDHP rates
Pay frequency	Self Only \| CODE 39A	Self Plus One \| CODE 39C	Self and Family \| CODE 39B
Biweekly — employed	$84.88	$182.50	$224.27
Monthly — retired	$183.92	$395.43	$485.91

2026 PSHB HDHP rates
Pay frequency	Self Only \| CODE 39A	Self Plus One \| CODE 39C	Self and Family \| CODE 39B
	Pay frequency Biweekly — employed	Self Only \| CODE 39A $84.88	Self Plus One \| CODE 39C $182.50	Self and Family \| CODE 39B $224.27	Pay frequency Monthly — retired	Self Only \| CODE 39A $183.92	Self Plus One \| CODE 39C $395.43	Self and Family \| CODE 39B $485.91

These rates do not apply to all Enrollees. If you are in a special enrollment category, please refer to the PSHB Program website or contact the agency 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.

Costs (what you pay in-network)
Network benefits⁴	You pay
Yearly deductible (in-network)	Self Only $1,800; G.E.H.A HSA contribution of $1,300; You pay $500⁵ Self Plus One or Self and Family $3,600; G.E.H.A HSA contribution of $2,600; You pay $1,000⁵
Out‑of‑pocket maximum⁶ (in-network)	$6,000 for Self Only $12,000 for Self Plus One or Self and Family
Preventive care Annual physical exam, routine screenings, immunizations and more	$0
Primary care office visits	5%⁷
Mental health office visits	5%⁷
Specialist office visit	5%⁷
MinuteClinic^® / Urgent care facility visit	5%⁷ / 5%⁷
Unlimited telehealth visits, including mental health	$0^7,8
Emergency room visit	5%⁷
Hospital care; outpatient / inpatient	5%⁷ / 5%⁷
Lab services	5%⁷
X-rays and other diagnostic services	5%⁷
Maternity; childbirth delivery professional services	$0⁷
Chiropractic care (up to 20 visits per year)	5%⁷
Acupuncture (up to 20 visits per year)	5%⁷
Preventive dental care, twice yearly	$0

Costs (what you pay in-network)
Network benefits⁴	You pay
	Network benefits⁴ Yearly deductible (in-network)	You pay Self Only $1,800; G.E.H.A HSA contribution of $1,300; You pay $500⁵ Self Plus One or Self and Family $3,600; G.E.H.A HSA contribution of $2,600; You pay $1,000⁵	Network benefits⁴ Out‑of‑pocket maximum⁶ (in-network)	You pay $6,000 for Self Only $12,000 for Self Plus One or Self and Family	Network benefits⁴ Preventive care Annual physical exam, routine screenings, immunizations and more	You pay $0	Network benefits⁴ Primary care office visits	You pay 5%⁷	Network benefits⁴ Mental health office visits	You pay 5%⁷	Network benefits⁴ Specialist office visit	You pay 5%⁷	Network benefits⁴ MinuteClinic^® / Urgent care facility visit	You pay 5%⁷ / 5%⁷	Network benefits⁴ Unlimited telehealth visits, including mental health	You pay $0^7,8	Network benefits⁴ Emergency room visit	You pay 5%⁷	Network benefits⁴ Hospital care; outpatient / inpatient	You pay 5%⁷ / 5%⁷	Network benefits⁴ Lab services	You pay 5%⁷	Network benefits⁴ X-rays and other diagnostic services	You pay 5%⁷	Network benefits⁴ Maternity; childbirth delivery professional services	You pay $0⁷	Network benefits⁴ Chiropractic care (up to 20 visits per year)	You pay 5%⁷	Network benefits⁴ Acupuncture (up to 20 visits per year)	You pay 5%⁷	Network benefits⁴ Preventive dental care, twice yearly	You pay $0

Prescription costs

(what you pay in-network)

Go to caremark.com to find a pharmacy near you or access drug costs, specialty drug lists and additional details about your prescriptions.

For out-of-network benefits and details on specialty drugs that are injected or infused, check the G.E.H.A Plan Brochure.

Prescription benefits
Prescription drug benefits^4,7,9	Retail (30-day)	Mail service (90-day)	Specialty CVS exclusive (30-day)
Generic	25%	25%	25%
Preferred brand-name	25%¹⁰	25%¹⁰	25%¹⁰
Non-preferred brand-name	40%¹⁰	40%¹⁰	40%¹⁰

Prescription benefits
Prescription drug benefits^4,7,9	Retail (30-day)	Mail service (90-day)	Specialty CVS exclusive (30-day)
	Prescription drug benefits^4,7,9 Generic	Retail (30-day) 25%	Mail service (90-day) 25%	Specialty CVS exclusive (30-day) 25%	Prescription drug benefits^4,7,9 Preferred brand-name	Retail (30-day) 25%¹⁰	Mail service (90-day) 25%¹⁰	Specialty CVS exclusive (30-day) 25%¹⁰	Prescription drug benefits^4,7,9 Non-preferred brand-name	Retail (30-day) 40%¹⁰	Mail service (90-day) 40%¹⁰	Specialty CVS exclusive (30-day) 40%¹⁰

HDHP benefits that go beyond

Enhanced member discounts³

Access member discounts on travel, fitness, personal care, groceries, childcare and more

Member discount program

Vision³

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

Vision

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 qualified medical expenses^1,2

Health savings account

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

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1 See IRS Publications 502 and 969 for more information regarding qualified medical expenses, health savings accounts and health reimbursement arrangements.

2 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.

3 These benefits are neither offered nor guaranteed under contract with the PSHB Program but are made available to all Enrollees who become members of a G.E.H.A health plan and their eligible family members.

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 Calendar year deductible applies.

8 HDHP members who have met their deductible will be charged by MD Live, but G.E.H.A will reimburse the member 100% of the Plan Allowance.

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

10 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.

Visual representations do not imply endorsement by any government agency or department.

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 71-026. All benefits are subject to the definitions, limitations, and exclusions set forth in the Federal brochure.

We reinvest our dollars to ensure our plans and member experience are second to none.

G.E.H.A plans are packed with the extra features and benefits federal employees want most.

Visit the G.E.H.A formulary to learn about the coverage and costs for your prescriptions.

We have 1.7 million providers in our national network — plus worldwide coverage for access to health care while traveling abroad.

We're the benefits provider of choice for 2+ million federal employees, retirees and their families.

G.E.H.A plans are packed with the extra features and benefits federal employees want most.

Visit the G.E.H.A formulary to learn about the coverage and costs for your prescriptions.

We have 1.7 million providers in our national network — plus worldwide coverage for access to health care while traveling abroad.

We offer two comprehensive dental plans with the right coverage for every stage of life.

G.E.H.A plans are packed with the extra features and benefits federal employees want most.

Both G.E.H.A dental plans include no in-network deductibles with over 450,000 provider locations nationwide.

Our Customer Care team can be reached Monday through Friday from 8 a.m.–8 p.m. Eastern time.

Founded by Postal workers 88 years ago to protect the health and well-being of federal employees.

Agency benefits professionals, this is your one-stop shop for Open Season support.

PSHB HDHP 2027