TakeCare Insurance Company, Inc., HDHP 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 HJA | $11.72 gov $35.18 | $25.40 | $25.40 | $-3.80 biweekly (-24.5%) | $305 |
| Self Plus One code HJC | $28.31 gov $84.93 | $61.34 | $61.34 | $-9.17 biweekly (-24.5%) | $736 |
| Self and Family code HJB | $31.44 gov $94.32 | $68.12 | $68.12 | $-10.19 biweekly (-24.5%) | $817 |
HDHP, HMO/POS network. Offered in Guam (statewide); Northern Mariana Islands (statewide); Palau (statewide). 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 | $1,500 out of network $1,500 | $3,000 out of network $3,000 | $3,000 out of network $3,000 |
| Out-of-pocket maximum | $3,000 out of network Not applicable | $6,000 out of network Not applicable | $6,000 out of network Not applicable |
| Health Savings Account contribution How it works, who can have one | $293.16 | $707.64 | $786 |
| Deductible after the account | $1,206.84 | $2,292.36 | $2,214 |
What you pay for care, in and out of network
| Service | In network | Out of network |
|---|---|---|
| VISITS | ||
| Preventive care | Member Pays Nothing Deductible is waived | 30% Coinsurance of our allowance plus any difference between our allowance and billed charges. |
| Primary care visit | 20% Coinsurance after $1500 medical deductible is met | 30% Coinsurance of our allowance plus any difference between our allowance and billed charges, after meeting ded |
| Specialist visit | 20% Coinsurance after $1500 medical deductible is met | 30% Coinsurance of our allowance plus any difference between our allowance and billed charges, after meeting ded |
| Urgent care | $75 Copayment in area / $100 copayment out of area, after $1500 medical deductible is met | $75 Copayment plus any difference between our allowance and billed charges, after meeting deductible. |
| Emergency room | $100 Copayment after $1500 medical deductible is met | $100 Copayment after $1500 medical deductible is met |
| Labs and X-rays | Member Pays Nothing after $1500 medical deductible is met | 30% Coinsurance of our allowance plus any difference between our allowance and billed charges, after meeting ded |
| CT, MRI, PET | 20% Coinsurance after $1500 medical deductible is met | 30% Coinsurance of our allowance plus any difference between our allowance and billed charges, after meeting ded |
| Hospital stay, per admission | 20% Coinsurance after $1500 medical deductible is met | $30 Copayment of our allowance plus any difference between our allowance and billed charges, after meeting ded |
| Hospital room | 20% Coinsurance after $1500 medical deductible is met | 30% Coinsurance of our allowance plus any difference between our allowance and billed charges, after meeting ded |
| Surgeon, inpatient | 20% Coinsurance after $1500 medical deductible is met | $30 Copayment of our allowance plus any difference between our allowance and billed charges, after meeting ded |
| Outpatient surgery | 20% Coinsurance after $1500 medical deductible is met | 30% Coinsurance of our allowance plus any difference between our allowance and billed charges, after meeting ded |
| Mental health, office | 20% Coinsurance of our allowance after deductible is met | 30% Coinsurance of our allowance plus difference between our allowance and billed charges, after meeting ded |
| Mental health, inpatient | 20% Coinsurance of our allowance after deductible is met | 30% Coinsurance of our allowance plus difference between our allowance and billed charges, after meeting ded |
| Physical therapy | 20% Coinsurance of our allowance after deductible is met, up to 2 consecutive months | 30% Coinsurance of our allowance plus difference between our allowance and billed charges, after meeting ded |
| Chiropractic | Member Pays All Charges After deductible is met, any amount over $25 - 20 Visit/Year Limit | Member Pays All Charges |
| Acupuncture | Member Pays All Charges After deductible is met, any amount over $25 - 20 Visit/ Year Limit | Member Pays All Charges |
| Maternity care | Member Pays Nothing after deductible is met | 30% Coinsurance of our allowance plus difference between our allowance and billed charges, after meeting ded |
| Maternity hospital stay | 20% Coinsurance of our allowance after deductible is met | 30% Coinsurance of our allowance plus difference between our allowance and billed charges, after meeting ded |
| Infertility diagnosis and treatment | 20% Coinsurance of our allowance after deductible is met | 30% Coinsurance of our allowance plus difference between our allowance and billed charges, after meeting ded |
| IVF and assisted reproduction | Member Pays All Charges | Member Pays All Charges |
| Hearing aids | Covered after ded is met, 80% covered, up to $300/ear, every 2 years. Adults only | Covered after ded is met, 80% of our allowance is covered, up to $300/ear, every 2 years. Adults only. |
| Durable medical equipment | Member Pays Nothing after deductible is met | 30% Coinsurance of our allowance plus difference between our allowance and billed charges, after meeting ded |
| Home health | 20% Coinsurance of our allowance after deductible is met. | 30% Coinsurance of our allowance plus difference between our allowance and billed charges, after meeting ded |
| Adult dental exams | Covered 100% of allowance, ded waived | Covered 100% of allowance, ded waived |
| Children's dental exams | Covered 100% of allowance, ded waived | Covered 100% of allowance, ded waived |
| Routine eye exam | Covered 100% through age 17. Over age 17, 80% of allowance, after deductible is met | Covered 70% of allowance |
| Eyeglasses | Covered for prescription eyeglasses, up to $100/year after ded is met. Benefit combined with contact lenses | Not Covered |
| PRESCRIPTIONS | ||
| Tier 1 (usually generic) | Generic - $20 Copayment | Generic - 30% Coinsurance |
| Tier 2 | Preferred Brand - $40 Copayment | Preferred Brand - 30% Coinsurance |
| Tier 3 | Non-Preferred Brand - $100 Copayment | Non-Preferred Brand - 30% Coinsurance |
| Tier 4 | Preferred Specialty Tier - $100 Copayment | Preferred Specialty Tier - 30% Coinsurance |
| Mail order | No | No |
| Prescription out-of-pocket maximum, Self | $3,000 | Not listed |
| Prescription out-of-pocket maximum, family | $6,000 | 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 | Not applicable |
| Out-of-pocket maximum with Parts A and B | Not applicable | Not applicable |
| Primary care with Parts A and B | Member Pays Nothing | Member Pays Nothing |
| Specialist with Parts A and B | Member Pays Nothing | Member Pays Nothing |
| Hospital stay with Parts A and B | 20% after deductible is met | 30% of our allowance plus any difference between our allowance and billed charges. |
| Part B reimbursement with Parts A and B | No | 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
TakeCare Insurance Company, Inc. plan site · Summary of Benefits and Coverage · Brochure RI 73-929 (the official statement of benefits) · Every PSHB brochure · OPM premiums · What this brochure says about GLP-1 drugs · (671) 647-3526
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.
