Kaiser Permanente Washington Options Federal, Standard Option: 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 H9A | $91.27 gov $273.80 | $197.75 | $197.75 | +$4.86 biweekly (+5.6%) | $2,373 |
| Self Plus One code H9C | $202.61 gov $607.83 | $438.99 | $438.99 | +$10.79 biweekly (+5.6%) | $5,268 |
| Self and Family code H9B | $202.61 gov $607.83 | $438.99 | $438.99 | +$10.79 biweekly (+5.6%) | $5,268 |
Traditional, HMO network. Offered in Washington (38 counties). A regional plan: open to anyone eligible for PSHB who lives in its service area (some plans also take people who work there). The county list is on the comparison page. 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 | $350 out of network $350 | $700 out of network $700 | $700 out of network $700 |
| Out-of-pocket maximum | $5,000 out of network $5,000 | $10,000 out of network $10,000 | $10,000 out of network $10,000 |
What you pay for care, in and out of network
| Service | In network | Out of network |
|---|---|---|
| VISITS | ||
| Preventive care | Member Pays Nothing | 40% Coinsurance 40% of Plan allowance and any difference between our allowance and the billed amount |
| Primary care visit | $25 Copayment per visit | $25 Copayment |
| Specialist visit | $35 Copayment per visit | $35 Copayment |
| Urgent care | $25 Copayment . $35 Specialty Care visit | $25 Copayment . $35 Specialty Care visit |
| Emergency room | $150 Copayment | $150 Copayment |
| Labs and X-rays | 20% Coinsurance of Plan allowance | 40% Coinsurance 40% of Plan allowance and any difference between our allowance and the billed amount |
| CT, MRI, PET | 20% Coinsurance of Plan allowance | 40% Coinsurance 40% of Plan allowance and any difference between our allowance and the billed amount |
| Hospital stay, per admission | 20% Coinsurance of Plan allowance | 40% Coinsurance 40% of Plan allowance and any difference between our allowance and the billed amount |
| Hospital room | 20% Coinsurance of Plan allowance | 40% Coinsurance 40% of Plan allowance and any difference between our allowance and the billed amount |
| Surgeon, inpatient | 20% Coinsurance of Plan allowance | 40% Coinsurance 40% of Plan allowance and any difference between our allowance and the billed amount |
| Outpatient surgery | 20% Coinsurance of Plan allowance | 40% Coinsurance 40% of Plan allowance and any difference between our allowance and the billed amount |
| Mental health, office | $25 Copayment . Nothing for group therapy | $25 Copayment . $25 per individual visit, then 40% of the Plan allowance and any difference between our allowance and the billed amount (no deductible) |
| Mental health, inpatient | 20% Coinsurance of Plan allowance | 40% Coinsurance 40% of Plan allowance and any difference between our allowance and the billed amount |
| Physical therapy | $25 Copayment . $35 Specialty Care visit (no deductible) | $25 Copayment .$35 per Specialty Care individual office visit, then 40% of the Plan allowance and any difference between our allowance and the billed amount (no deductible) |
| Chiropractic | $25 Copayment . Up to 20 treatments per calendar year | $25 Copayment . 40% of the Plan allowance and any difference between our allowance and the billed amount (no ded) |
| Acupuncture | $25 Copayment . $35 Specialty Care visit (no deductible) | $25 Copayment $35 Specialty Care visit, then 40% of our Plan allowance and any difference between our Plan allowance and the billed amount |
| Maternity care | Member Pays Nothing | 40% Coinsurance 40% of Plan allowance and any difference between our allowance and the billed amount |
| Maternity hospital stay | Member Pays Nothing | 40% Coinsurance 40% of Plan allowance and any difference between our allowance and the billed amount |
| Infertility diagnosis and treatment | 50% Coinsurance of Plan allowance | 50% Coinsurance 50% of Plan allowance and any difference between our allowance and the billed amount |
| IVF and assisted reproduction | Member Pays All Charges | Member Pays All Charges |
| Hearing aids | Covered . 20% of our Plan allowance per hearing aid per ear every 36 months | Covered . All charges in excess of $3,000 for one hearing aid per ear every 36 months |
| Durable medical equipment | 20% Coinsurance of Plan allowance | 40% Coinsurance |
| Home health | 20% Coinsurance of Plan allowance | 40% Coinsurance |
| Adult dental exams | Covered | Covered |
| Children's dental exams | Covered | Covered |
| Routine eye exam | Covered 20% of Plan allowance | Covered |
| Eyeglasses | Covered One pair of eyeglasses or contact lenses to correct an impairment directly caused by accidental ocular injury or intraocular surgery | Covered |
| PRESCRIPTIONS | ||
| Tier 1 (usually generic) | Generic - $10 Copayment | Generic - 100% Coinsurance |
| Tier 2 | Preferred Brand - $30 Copayment | Preferred Brand - 100% Coinsurance |
| Tier 3 | Non-Preferred Drugs - $60 Copayment | Non-Preferred Drugs - 100% Coinsurance |
| Tier 4 | Preferred Specialty Tier - 25% Coinsurance | Preferred Specialty Tier - 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 | Not applicable | Not applicable |
| Out-of-pocket maximum with Parts A and B | $5,000 | Not applicable |
| Primary care with Parts A and B | $25 Copayment | Not applicable |
| Specialist with Parts A and B | $35 Copayment | Not applicable |
| Hospital stay with Parts A and B | 20% Coinsurance after deductible | Not applicable |
| Part B reimbursement with Parts A and B | Not applicable | Not applicable |
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
Kaiser Permanente Washington Options Federal plan site · Summary of Benefits and Coverage · Brochure RI 73-925 (the official statement of benefits) · Every PSHB brochure · OPM premiums · What this brochure says about GLP-1 drugs · (888) 901-4636
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.
