MHBP, MHBP Value Plan: 2027 PSHB premiums and benefits
Federal Benefits Open Season for plan year 2027 runs November 9 to December 14, 2026.
* Three PSHB options end after 2026: GEHA High, MHBP Consumer, and UnitedHealthcare Postal East. If you are in one, choose a plan by December 14. See what ends| Enrollment | Employee, biweekly | Employee, monthly | Annuitant, monthly | Change in your share vs 2026 | Employee, per year (26 periods) |
|---|---|---|---|---|---|
| Self Only code 73A | $83.22 gov $249.65 | $180.30 | $180.30 | +$12.82 biweekly (+18.2%) | $2,164 |
| Self Plus One code 73C | $200.18 gov $600.54 | $433.72 | $433.72 | +$33.37 biweekly (+20.0%) | $5,205 |
| Self and Family code 73B | $206.73 gov $620.18 | $447.91 | $447.91 | +$36.58 biweekly (+21.5%) | $5,375 |
Traditional, PPO network. Offered nationwide. Open to postal employees and annuitants eligible for PSHB. Active Mail Handlers must be dues-paying members of the National Postal Mail Handlers Union (dues vary by local); everyone else becomes an associate member at $52 a year. Source. The government share is the lesser of 72% of the PSHB program-wide average premium or 75% of this plan's premium (OPM). Employee figures are OPM's rate for active postal employees; USPS non-career employees and some union contracts differ.
Educational information only; StandWatch is not acting for OPM or the Postal Service, and the brochure and the HR Shared Service Center 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 | $800 out of network $2,000 | $1,600 out of network $4,000 | $1,600 out of network $4,000 |
| Out-of-pocket maximum | $10,000 out of network $12,000 | $20,000 out of network $24,000 | $20,000 out of network $24,000 |
What you pay for care, in and out of network
| Service | In network | Out of network |
|---|---|---|
| VISITS | ||
| Preventive care | Member Pays Nothing | 40% Coinsurance Plus any difference between Plan's allowance and billed amount |
| Primary care visit | $40 Copayment No deductible | 40% Coinsurance Plus any difference between Plan's allowance and billed amount |
| Specialist visit | $50 Copayment | 40% Coinsurance Plus any difference between Plan's allowance and billed amount |
| Urgent care | 20% Coinsurance (No deductible) | 40% Coinsurance Plus any difference between Plan's allowance and billed amount |
| Emergency room | 20% Coinsurance | 20% Coinsurance Plus any difference between Plan's allowance and billed amount |
| Labs and X-rays | 20% Coinsurance | 40% Coinsurance Plus any difference between Plan's allowance and billed amount |
| CT, MRI, PET | 20% Coinsurance | 40% Coinsurance Plus any difference between Plan's allowance and billed amount |
| Hospital stay, per admission | 20% Coinsurance | 40% Coinsurance Plus any difference between Plan's allowance and billed amount |
| Hospital room | 20% Coinsurance | 40% Coinsurance Plus any difference between Plan's allowance and billed amount |
| Surgeon, inpatient | 20% Coinsurance | 40% Coinsurance Plus any difference between Plan's allowance and billed amount |
| Outpatient surgery | 20% Coinsurance | 40% Coinsurance Plus any difference between Plan's allowance and billed amount |
| Mental health, office | $40 Copayment No deductible | 40% Coinsurance Plus any difference between Plan's allowance and billed amount |
| Mental health, inpatient | 20% Coinsurance | 40% Coinsurance Plus any difference between Plan's allowance and billed amount |
| Physical therapy | 20% Coinsurance (PT,OT, and ST services limited to 40 visits) | 40% Coinsurance Plus any difference between Plan's allowance and billed amount |
| Chiropractic | 20% Coinsurance (Limited to 40 visits for combined alternative care services); No deductible | Member Pays All Charges |
| Acupuncture | 20% Coinsurance Limited to 40 visits for combined alternative care services: No deductible | 40% Coinsurance Plus any difference between Plan's allowance and billed amount |
| Maternity care | Member Pays Nothing | 40% Coinsurance Plus any difference between Plan's allowance and billed amount |
| Maternity hospital stay | 20% Coinsurance | 40% Coinsurance Plus any difference between Plan's allowance and billed amount |
| Infertility diagnosis and treatment | 20% Coinsurance | 40% Coinsurance Plus any difference between Plan's allowance and billed amount |
| IVF and assisted reproduction | Member Pays All Charges | Member Pays All Charges |
| Hearing aids | Covered Member pays all charges over $1500 | Covered Member pays all charges over $1500 |
| Durable medical equipment | 20% Coinsurance | 40% Coinsurance Plus any difference between Plan's allowance and billed amount |
| Home health | 20% Coinsurance Limited to 25 visits | 40% Coinsurance Limited to 25 visits; Plus any difference between Plan's allowance and billed amount |
| Adult dental exams | Not Covered | Not Covered |
| Children's dental exams | Not Covered | Not Covered |
| Routine eye exam | Not Covered | Not Covered |
| Eyeglasses | Covered Member pays all charges over $50 for ocular injury or intraocular surgery only | Covered Member pays 40% of Plan's allowance; all charges over $50 |
| PRESCRIPTIONS | ||
| Tier 1 (usually generic) | Generic - $10 Copayment | Generic - 100% Coinsurance |
| Tier 2 | Preferred Brand - 45% Coinsurance | Preferred Brand - 100% Coinsurance |
| Tier 3 | Non-Preferred Brand - 75% Coinsurance | Non-Preferred Brand - 100% Coinsurance |
| Tier 4 | Non-Preferred Drugs - 50% Coinsurance | Non-Preferred Drugs - 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 | ||
| Part B premium reimbursement (prescription drug plan) | None | Not listed |
| Part D drug plan: most you pay in a year | $2,400 | Not listed |
| Deductible with Parts A and B | No | No |
| Out-of-pocket maximum with Parts A and B | $10,000 | $12,000 |
| Primary care with Parts A and B | $40 Copayment | 40% Coinsurance Plus any difference between Plan's allowance and billed amount |
| Specialist with Parts A and B | $50 Copayment | 40% Coinsurance Plus any difference between Plan's allowance and billed amount |
| Hospital stay with Parts A and B | 20% Coinsurance | 40% Coinsurance Plus any difference between Plan's allowance and billed amount |
| Part B reimbursement with Parts A and B | No | No |
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
MHBP plan site · Summary of Benefits and Coverage · Brochure RI 71-023 (the official statement of benefits) · Every PSHB brochure · OPM premiums · What this brochure says about GLP-1 drugs · (833) 497-2416
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 U.S. Postal Service, 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 PSHB Public Use Files, plan year 2027 (rates, plan key, plan benefits, service area), and the OPM PSHB premium charts for the change from 2026.
