QualChoice, High Option: 2027 FEHB premiums and benefits
| Enrollment | Employee, biweekly | Employee, monthly | Annuitant, monthly | Change in your share vs 2026 | Employee, per year (26 periods) |
|---|---|---|---|---|---|
| Self Only code DH1 | $141.30 gov $352.04 | $306.15 | $306.15 | $-12.92 biweekly | $3,674 |
| Self Plus One code DH3 | $239.59 gov $718.78 | $519.12 | $519.12 | +$6.97 biweekly | $6,229 |
| Self and Family code DH2 | $442.99 gov $843.82 | $959.81 | $959.81 | $-28.33 biweekly | $11,518 |
CDHP, HMO/POS network. Offered in Arkansas (statewide). The county list is on the comparison page. The government share is the lesser of 72% of the program-wide average premium or 75% of this plan's premium (5 U.S.C. 8906).
Educational information only; StandWatch is not acting for OPM, and the brochure and your agency's benefits office are the final authority. Same code and assumptions as the comparison page: worst year is exact (premiums plus the in-network out-of-pocket maximum, minus an HSA deposit); the other three are estimates under stated usage profiles, each labeled copays only, has coinsurance, or not priced.
Deductibles and limits
| Self Only | Self Plus One | Self and Family | |
|---|---|---|---|
| Deductible | $500 out of network $1,000 | $1,000 out of network $3,000 | $1,000 out of network $3,000 |
| Out-of-pocket maximum | $5,000 out of network $13,200 | $10,000 out of network $26,400 | $10,000 out of network $26,400 |
What you pay for care, in and out of network
| Service | In network | Out of network |
|---|---|---|
| VISITS | ||
| Preventive care | Member Pays Nothing | Member Pays All Charges |
| Primary care visit | $20 Copayment | 40% Coinsurance After Deductible |
| Specialist visit | $35 Copayment | 40% Coinsurance After Deductible |
| Urgent care | $35 Copayment | 40% Coinsurance After Deductible |
| Emergency room | $150 Copayment $20 Copayment for Primary Care, $35 Copay for Specialist at Providers Office or Urgent Care Facility, $150 copayment for hospital | $150 Copayment $20 copayment primary care, $35 copayment specialist, $150 copayment hospital |
| Labs and X-rays | 20% Coinsurance After Deductible | 40% Coinsurance After Deductible |
| CT, MRI, PET | 20% Coinsurance After Deductible | 40% Coinsurance After Deductible |
| Hospital stay, per admission | $100 Copayment $100 Copay per day per admission to a maximum of $500 per admission | 40% Coinsurance After Deductible |
| Hospital room | Member Pays Nothing | 40% Coinsurance After Deductible |
| Surgeon, inpatient | Member Pays Nothing | 40% Coinsurance After Deductible |
| Outpatient surgery | $100 Copayment | 40% Coinsurance After Deductible |
| Mental health, office | $20 Copayment | 40% Coinsurance After Deductible |
| Mental health, inpatient | $100 Copayment | 40% Coinsurance After Deductible |
| Physical therapy | $35 Copayment Limited to 60 visits or two consecutive months, per condition - limits apply to Occupational, physical or combined. | 40% Coinsurance After Deductible |
| Chiropractic | $35 Copayment Limited to 20 visits per calendar year | 40% Coinsurance Limited to 20 Visits per calendar year |
| Acupuncture | Member Pays All Charges | Member Pays All Charges |
| Maternity care | Member Pays Nothing $20 Copay per visit for postpartum care visits | 40% Coinsurance |
| Maternity hospital stay | Member Pays Nothing | 40% Coinsurance |
| Infertility diagnosis and treatment | 20% Coinsurance After Deductible | 40% Coinsurance After Deductible |
| IVF and assisted reproduction | Member Pays All Charges | Member Pays All Charges |
| Hearing aids | Covered 20% of Plan Allowable, $1400 Per year every 3 years | Covered 20% of Plan Allowable |
| Durable medical equipment | 20% Coinsurance After Deductible | 40% Coinsurance |
| Home health | 20% Coinsurance Limited to 40 Visits per calendar year | 40% Coinsurance Limited to 40 Visits per calendar year |
| Adult dental exams | Not Covered | Not Covered |
| Children's dental exams | Not Covered | Not Covered |
| Routine eye exam | Covered Routine Vision Exam 1 every 24 months | Covered 40% Coinsurance after deductible |
| Eyeglasses | Not Covered | Not Covered |
| PRESCRIPTIONS | ||
| Tier 1 (usually generic) | $10 Copayment | 100% Coinsurance |
| Tier 2 | $40 Copayment | 100% Coinsurance |
| Tier 3 | $60 Copayment | 100% Coinsurance |
| Tier 4 | $100 Copayment | 100% Coinsurance |
| Mail order | Yes | Yes |
| Prescription out-of-pocket maximum, Self | None | Not listed |
| Prescription out-of-pocket maximum, family | None | Not listed |
| WITH MEDICARE | ||
OPM's summary of the plan's cost sharing. The small print under a figure is OPM's own wording and usually carries the real terms: per-day charges, caps, and whether the deductible applies. The brochure is the official statement of benefits.
Official pages
QualChoice plan site · Summary of Benefits and Coverage · OPM plan comparison and brochure RI 73-860 · 800-235-7111
Before you enroll
Not the official statement of benefits. This plan's brochure is the only contractual statement of what it covers, excludes, and limits. Where this page and the brochure disagree, the brochure governs. Read it before you enroll.
Estimates, under published assumptions. Premiums, deductibles, and out-of-pocket maximums are OPM's figures. The year-cost figures are estimates under the usage profiles and assumed charges published on the comparison page, labeled exact, copays only, has coinsurance, or not priced. They are not predictions of what you will spend.
What the model leaves out. Out-of-network care and balance billing, whether your own doctors take this plan, whether your medications are on its formulary and at which tier, referral and prior-authorization rules, mail-order and specialty pharmacy pricing, FEDVIP dental and vision, and Medicare coordination at 65 beyond the rows shown. Postal Service employees and annuitants are in a separate program and are not covered.
No affiliation. StandWatch is not affiliated with, endorsed by, or acting for the Office of Personnel Management or any federal agency. The plan data is OPM's; the arrangement is ours. StandWatch is not a health plan, a broker, or an insurer, and nothing here is a recommendation to select, keep, or drop any plan, or medical, insurance, financial, tax, or legal advice. The full educational-purpose statement.
Source: OPM FEHB Public Use Files, plan year 2027 (rates, plan key, plan benefits, service area), and the OPM premium charts for the change from 2026.
