What will your health plan actually cost you in 2027?
The premium is only half the number. Compare your current plan against up to three others on
premium, deductible, and what you are likely to pay out of pocket based on how your household actually uses care.
0Days left to switch
+10.9%Average FEHB enrollee share
+8.2%Average PSHB enrollee share
0Plans available to you
Loading plan data.
1Tell us who you are
Postal employees and postal annuitants choose from PSHB. Everyone else is in FEHB.
Adding your state and county brings in the regional plans you can actually enroll in.
2Pick your current plan, then what to compare it against
Your enrollment code is on your SF 2809 or your pay statement. Compare up to three alternatives.
Your plan today
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Compare 2
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3How much care does your household actually use?
Estimate a normal year across everyone on the plan. The numbers update as you move the sliders.
Advanced: the assumed prices behind the estimate
When a plan charges coinsurance rather than a flat copay, the estimate
needs an assumed price for the service. These are the amounts used. Adjust them if your area runs higher or lower.
Copay services are treated as not drawing down the deductible, which matches
most FEHB and PSHB designs. Coinsurance services apply the deductible first. Out of pocket is capped at the plan
in network maximum. Plan funded HSA or HRA money is subtracted at the end.
4Your estimated 2027 cost
Annual figures for in network care. Premium plus estimated out of pocket, less any plan funded account.
Ask about your result
Answers are calculated from your own numbers and the official OPM plan data on this page.
Want this comparison in writing?
Enter your email and we will send this side by side breakdown as a PDF, plus a three year projection
showing where each plan lands if increases keep running at the current pace.
We send the breakdown and occasional federal benefits updates.
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The cheapest plan on paper is not always the cheapest plan for you
Deductibles, drug tiers, and Medicare coordination move the real number more than the premium does.
If you want a second set of eyes before December 14, book a short call and we will walk through it together.