Posted on Monday, 13th October 2025 by

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Another year, another round of premium hikes for our health care. Yes, they did it again with an average increase of 10% for the FEHB program and 9% for the PSHB postal employees’ plan.

The FEDVIP premiums also increased, although modestly compared to our primary health care plans. The average increase when adding everything together is north of 12%

Review the following article for complete details about all of the changes coming our way in 2026, including increased Medicare Part B and D premiums:

Shane Stevens, Associate Director for Healthcare and Insurance, stated in a recent memorandum, “We recognize that increasing health care expenses at this clip is not a sustainable path. As we assess the overall health-versus-expense equation across the US, we find an alarming trend. Per capita health care spending is higher than in our peer nations, our life expectancy has dropped further, and we see rising rates of treatable and preventable mortality. In short, something is NOT working. As a result, we are very excited about several things OPM is working on to increase the quality of care, improve health outcomes, and reduce overall expenses.”

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Disclaimer: The information provided may not cover all aspects of unique or special circumstances.  Federal regulations, medical procedures, investment information, and benefit details are subject to change. To ensure the accuracy of this information, contact relevant parties for assistance, including OPM’s retirement center. Over time, various dynamic economic factors relied upon as a basis for this article may change.

The information contained herein may not be suitable for your situation. This service is not affiliated with OPM or any federal entity. You should consult a financial, medical, or human resource professional where appropriate. Neither the publisher nor the author shall be liable for any loss or other commercial damages, including but not limited to special, incidental, consequential, or other damages.

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2 Responses to “Health Care Premiums Announced for 2026 – Hold on to your Hat!”

  1. linda chen Says:
    October 14th, 2025 at 4:21 pm

    Dennis:

    would you please let us know what’s your choice for 2026 FEHB (with Medicare A & B)?
    with both FEHB and Medicare Pt.B premiums raise significantly, should one just carry FEHB into Retirement? what is the cons. of not taking Pt.B?
    Federal financial advisor would tell you Med. PtB is completely optional and FEHB is enough!(only 40 to 50% of Fed.retirees take both).
    Thanks

  2. Dennis Damp Says:
    October 16th, 2025 at 6:25 am

    Here is a link to a series of articles I wrote on this subject that may help, Go to our Medicare page and look under the page menu listing titled “Should I enroll in Medicare.” There are 8 articles that will answer all of your questions. Those under the FEHB plans do not have to sign up for Part B but read the articles to find out the pros and cons of that decision. After reviewing the articles, if you have any questions let me know and I can address them. I opted to change to a lower cost FEHB plan and enrolled in Medicare Part B when I turned 65.There is much to consider and the articles I refer you to will help you decide on the correct path for you and yours.

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