The High ThreeThe High ThreePremiums are only part of what a health plan costs. Pick up to three FEHB plans, your enrollment type, and how much care you expect to use. See an estimated yearly total: your premium share plus out-of-pocket costs, minus any HSA or HRA money the plan puts in.
The full price of your covered, in-network care for the year (what the plan allows, before it pays its share), not counting free preventive care. Presets are rough examples, not plan data. Type any amount.
Figures below are pre-filled from each plan's 2027 brochure (in-network). You can change any of them. A red box means we couldn't verify one number for that plan, so please enter it from the brochure.
Premium: your 2027 biweekly employee share from OPM's premium tables (non-Postal), times 26 pay periods.
Out-of-pocket estimate: you pay the deductible first, then the coinsurance percentage on the rest. Your share stops at the in-network out-of-pocket maximum. For Aetna Direct, the plan's Medical Fund pays your first covered costs before the deductible starts.
HSA/HRA pass-through: for HDHPs, the plan deposits part of your premium into an HSA (or credits an HRA if you aren't HSA-eligible). We subtract the full yearly amount because it's money available for your care; HSA money stays yours even if you don't spend it.
Simplifications: real plans use many fixed copays (office visits, ER, drug tiers) instead of one coinsurance rate. The coinsurance shown is the plan's in-network hospital coinsurance from its brochure summary, so treat the result as a rough guide. Family enrollments are treated as one shared pool, though each person usually also has a Self Only limit, which can lower costs. Out-of-network care, separate pharmacy deductibles, non-covered services, and wellness incentives aren't included. Premiums use full-year 2027 rates; FEHB's 2027 plan year for non-Postal employees starts January 10, 2027.
Plans not here: NALC isn't in OPM's 2027 FEHB premium tables (its 2027 brochure is for the Postal PSHB program), and Blue Cross FEP has no HDHP. Local HMOs aren't included. Use OPM's Plan Comparison Tool for every plan in your area.
Data as of October 30, 2026. Sources: OPM 2027 FEHB premiums and each plan's 2027 FEHB brochure (linked in the plan boxes above).
FEHB Open Season 2027 checklist on thehighthree.com
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