HealthPartners, Standard 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 V34 | $95.64 gov $286.92 | $207.22 | $207.22 | +$16.88 biweekly | $2,487 |
| Self Plus One code V36 | $211.37 gov $634.11 | $457.97 | $457.97 | +$37.30 biweekly | $5,496 |
| Self and Family code V35 | $232.98 gov $698.96 | $504.80 | $504.80 | +$41.11 biweekly | $6,057 |
Traditional, HMO network. Offered in Iowa (statewide); Minnesota (statewide); North Dakota (44 counties); South Dakota (54 counties). 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 | $750 out of network $2,000 | $1,500 out of network $4,000 | $1,500 out of network $4,000 |
| Out-of-pocket maximum | $10,000 out of network Not applicable | $20,000 out of network Not applicable | $20,000 out of network Not applicable |
What you pay for care, in and out of network
| Service | In network | Out of network |
|---|---|---|
| VISITS | ||
| Preventive care | Member Pays Nothing 5 for Free; then 25% after deductible | 40% Coinsurance After out-of-network deductible |
| Primary care visit | Member Pays Nothing 5 for Free; then 25% after deductible | 40% Coinsurance After out-of-network deductible |
| Specialist visit | Member Pays Nothing 5 for Free; then 25% after deductible | 40% Coinsurance After out-of-network deductible |
| Urgent care | Member Pays Nothing 5 for Free; then 25% after deductible | 25% Coinsurance 5 for Free, then 25% after in-network deductible. |
| Emergency room | 25% Coinsurance After in-network deductible, then coinsurance | 25% Coinsurance 25% after in-network deductible |
| Labs and X-rays | Member Pays Nothing 5 for Free; then 25% after deductible | 40% Coinsurance After out-of-network deductible |
| CT, MRI, PET | 25% Coinsurance After in-network deductible, then coinsurance | 40% Coinsurance After out-of-network deductible |
| Hospital stay, per admission | 25% Coinsurance After in-network deductible, then coinsurance | 40% Coinsurance After out-of-network deductible |
| Hospital room | 25% Coinsurance After in-network deductible, then coinsurance | 40% Coinsurance After out-of-network deductible |
| Surgeon, inpatient | 25% Coinsurance After in-network deductible, then coinsurance | 40% Coinsurance After out-of-network deductible |
| Outpatient surgery | 25% Coinsurance After in-network deductible, then coinsurance, then coinsurance | 40% Coinsurance After out-of-network deductible |
| Mental health, office | Member Pays Nothing 5 for Free; then 25% after deductible | 40% Coinsurance After out-of-network deductible |
| Mental health, inpatient | 25% Coinsurance After in-network deductible | 40% Coinsurance After out-of-network deductible |
| Physical therapy | 25% Coinsurance After in-network deductible | 40% Coinsurance After out-of-network deductible |
| Chiropractic | 25% Coinsurance After in-network deductible | 40% Coinsurance After out-of-network deductible |
| Acupuncture | 25% Coinsurance After in-network deductible | 40% Coinsurance After out of network deductible |
| Maternity care | Member Pays Nothing | 40% Coinsurance After out-of-network deductible |
| Maternity hospital stay | $1,500 Copayment $1,500 copay for inpatient hospital services, then nothing for inpatient hospital charges | 40% Coinsurance After out-of-network deductible |
| Infertility diagnosis and treatment | 25% Coinsurance After in-network deductible | 40% Coinsurance After out-of-network deductible |
| IVF and assisted reproduction | Member Pays All Charges | Member Pays All Charges |
| Hearing aids | Covered Under 18, see brochure for more details | Covered |
| Durable medical equipment | 25% Coinsurance After in-network deductible | 40% Coinsurance After out-of-network deductible |
| Home health | 25% Coinsurance After in-network deductible | 40% Coinsurance After out-of-network deductible |
| Adult dental exams | Not Covered | Not Covered |
| Children's dental exams | Not Covered | Not Covered |
| Routine eye exam | Covered | Covered |
| Eyeglasses | Not Covered | Not Covered |
| PRESCRIPTIONS | ||
| Tier 1 (usually generic) | $5 Copayment | 60% Coinsurance |
| Tier 2 | $25 Copayment | 60% Coinsurance |
| Tier 3 | $150 Copayment | 60% Coinsurance |
| Tier 4 | 60% Coinsurance | 60% Coinsurance |
| Mail order | Yes | Yes |
| Prescription out-of-pocket maximum, Self | $10,000 | Not listed |
| Prescription out-of-pocket maximum, family | $20,000 | Not listed |
| WITH MEDICARE | ||
| Part B premium reimbursement (prescription drug plan) | None | Not listed |
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
HealthPartners plan site · Summary of Benefits and Coverage · OPM plan comparison and brochure RI 73-009 · (844) 440-1900
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.
