FERS Health Insurance Calculator

Estimate your FEHB (Federal Employees Health Benefits) premiums during retirement with our free calculator.

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How FEHB Premiums Work in Retirement

Government Contribution Formula

The government's contribution to your FEHB premium is calculated as the lesser of:

  • 75% of the total premium, OR
  • 72% of the weighted average premium across all FEHB plans

In practice, most retirees receive approximately 72% government contribution and pay 28% out of pocket.

2026 FEHB Premium Ranges

Enrollment Low Option Standard High Option
Self Only $450-550/mo $600-700/mo $750-850/mo
Self Plus One $950-1,100/mo $1,300-1,450/mo $1,600-1,750/mo
Self and Family $1,100-1,250/mo $1,500-1,650/mo $1,800-2,000/mo

Eligibility Requirements

To continue FEHB coverage into retirement, you must meet the "5-Year Rule":

  • You must have been enrolled in FEHB for the 5 consecutive years immediately before retirement
  • OR enrolled since your first opportunity to enroll (if less than 5 years of service)
  • Coverage as a family member counts toward the 5-year requirement
Important: If you defer or postpone your retirement annuity, you will LOSE FEHB eligibility during the gap period. This is a critical consideration for MRA+10 retirees.

Related Tools & Resources

Plan your complete retirement healthcare strategy:

Complete FEHB Guide FEHB vs Medicare FERS Pension Calculator FEHB Cost Calculator

Educational use only: Results are estimates. For official benefit determinations, use your agency HR/OPM retirement services—not this page alone.

FEHB premium planning in retirement

Use the sections below to align this calculator with your real planning questions—each block matches a common search intent.

Premium conversion

Estimate monthly FEHB share after separating from payroll—premiums differ from employee-only active rates.

Eligibility rules

You must meet the five-year rule to continue FEHB into retirement—verify service history.

Medicare interaction

Many retirees add Part B later—coordinate timing with FEHB and IRMAA.

Estimates vs. plan brochures

  • Actual premiums are set by OPM and carriers annually.
  • Use this page for directional planning only.

Related Calculators & Guides

Authority & primary sources

Official rules change periodically. Cross-check estimates with Retirement Services at OPM.gov and your agency’s human resources office.

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