10/02/2026
Miller
π’ 2027 PSHB PREMIUM RATES: WHAT ARE YOU PAYING NEXT YEAR?
Postal employees, the 2027 Postal Service Health Benefits (PSHB) premium rates are available. Here's a breakdown of how employee biweekly premium contributions are changing across the plans listed in the rate sheet.
π AVERAGE BIWEEKLY PREMIUM CHANGE
Across the 36 plan and enrollment combinations in the spreadsheet, the simple average change is +$28.37 per pay period. The average varies by coverage type:
πΉ Self Only: +$13.37
πΉ Self Plus One: +$35.42
πΉ Self & Family: +$36.31
π EMPLOYEE BIWEEKLY PREMIUM CHANGE BY PLAN
Self Only | Self Plus One | Self & Family
APWU Health Plan
β’ Consumer Driven Option: +$9.11 | +$19.81 | +$21.60
β’ High Option: +$35.82 | +$62.95 | +$82.34
Blue Cross Blue Shield
β’ Basic Option: +$12.35 | +$26.44 | +$27.94
β’ FEP Blue Focus: +$9.02 | +$19.39 | +$21.33
β’ Standard Option: +$6.20 | +$11.44 | +$11.41
GEHA Employee Organization
β’ HDHP: No change across all enrollment types
β’ Standard Option: No change across all enrollment types
MHBP
β’ Standard Option: +$45.69 | +$183.96 | +$158.83
β’ Value Plan: +$12.82 | +$33.37 | +$36.58
NALC Health Benefit Plan
β’ Consumer Driven Health Plan (CDHP): +$13.42 | +$30.52 | +$33.05
β’ High Option: -$5.08 | -$3.31 | +$2.95
Rural Carrier Benefit Plan
β’ High Option: +$21.13 | +$40.46 | +$39.70
π WHAT SHOULD YOU KEEP IN MIND?
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These are changes in the employee's biweekly premium contribution, not the total cost of the insurance plan.
β
Some plans have increases, some remain unchanged, and some have decreases for certain enrollment types.
β
Premiums are only one part of the equation. Compare deductibles, copays, prescription coverage, provider networks, and out-of-pocket maximums before making a decision.
π¬ Have you reviewed your 2027 health plan options yet? Share your thoughts below and help keep fellow letter carriers informed.