Aetna: HDHP, Aetna Direct, Aetna Advantage, Aetna Advantage: 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 HLD | $60.72 gov $182.17 | $131.56 | $131.56 | $-1.81 biweekly (-2.9%) | $1,579 |
| Self Plus One code HLF | $133.58 gov $400.76 | $289.43 | $289.43 | $-3.98 biweekly (-2.9%) | $3,473 |
| Self and Family code HLE | $160.91 gov $482.74 | $348.64 | $348.64 | $-4.79 biweekly (-2.9%) | $4,184 |
Traditional, PPO network. Offered in Alabama (64 counties); Alaska (24 counties); Arizona (statewide); Arkansas (61 counties); California (45 counties); Colorado (statewide); Connecticut (statewide); Delaware (statewide); District of Columbia (statewide); Florida (66 counties); Georgia (statewide); Hawaii (statewide); Idaho (38 counties); Illinois (102 counties); Indiana (statewide); Iowa (statewide); Kansas (105 counties); Kentucky (110 counties); Louisiana (63 counties); Maine (statewide); Maryland (statewide); Massachusetts (13 counties); Michigan (statewide); Minnesota (87 counties); Mississippi (72 counties); Missouri (97 counties); Montana (56 counties); Nebraska (statewide); Nevada (14 counties); New Hampshire (statewide); New Jersey (statewide); New Mexico (13 counties); New York (61 counties); North Carolina (statewide); North Dakota (41 counties); Ohio (statewide); Oklahoma (statewide); Oregon (29 counties); Pennsylvania (statewide); Rhode Island (statewide); South Carolina (statewide); South Dakota (13 counties); Tennessee (94 counties); Texas (statewide); Utah (27 counties); Vermont (statewide); Virginia (112 counties); Washington (39 counties); West Virginia (55 counties); Wisconsin (statewide); Wyoming (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 | $2,000 out of network $5,000 | $4,000 out of network $10,000 | $4,000 out of network $10,000 |
| Out-of-pocket maximum | $8,500 out of network $10,000 | $17,000 out of network $20,000 | $17,000 out of network $20,000 |
What you pay for care, in and out of network
| Service | In network | Out of network |
|---|---|---|
| VISITS | ||
| Preventive care | Member Pays Nothing | 50% Coinsurance of our Plan allowance and any difference between our allowance and the billed amount |
| Primary care visit | 30% Coinsurance of our Plan allowance | 50% Coinsurance of our Plan allowance and any difference between our allowance and the billed amount |
| Specialist visit | 30% Coinsurance of our Plan allowance | 50% Coinsurance of our Plan allowance and any difference between our allowance and the billed amount |
| Urgent care | 30% Coinsurance of our Plan allowance | 30% Coinsurance of our Plan allowance and any difference between our allowance and the billed amount |
| Emergency room | 30% Coinsurance of our Plan allowance | 30% Coinsurance of our Plan allowance and any difference between our allowance and the billed amount |
| Labs and X-rays | 30% Coinsurance of our Plan allowance | 50% Coinsurance of our Plan allowance and any difference between our allowance and the billed amount |
| CT, MRI, PET | 30% Coinsurance of our Plan allowance | 50% Coinsurance of our Plan allowance and any difference between our allowance and the billed amount |
| Hospital stay, per admission | 30% Coinsurance of our Plan allowance | 50% Coinsurance of our Plan allowance and any difference between our allowance and the billed amount |
| Hospital room | 30% Coinsurance of our Plan allowance. If a private room rate is requested when it is not medically necessary, members pay the additional charge above the semiprivate room rate. | 50% Coinsurance of our Plan allowance and any difference between our allowance and the billed amount. If a private room rate is requested when it is not medically necessary, members pay the additional charge above the semiprivate room rate. |
| Surgeon, inpatient | 30% Coinsurance of our Plan allowance | 50% Coinsurance of our Plan allowance and any difference between our allowance and the billed amount |
| Outpatient surgery | 30% Coinsurance of our Plan allowance | 50% Coinsurance of our Plan allowance and any difference between our allowance and the billed amount |
| Mental health, office | 30% Coinsurance of our Plan allowance | 50% Coinsurance of our Plan allowance and any difference between our allowance and the billed amount |
| Mental health, inpatient | 30% Coinsurance of our Plan allowance | 50% Coinsurance of our Plan allowance and any difference between our allowance and the billed amount |
| Physical therapy | 30% Coinsurance of our Plan allowance. 60 visits per person, per calendar year for physical or occupational therapy, or a combination of both. | 50% Coinsurance of our Plan allowance and any difference between our allowance and the billed amount |
| Chiropractic | Member Pays All Charges | Member Pays All Charges |
| Acupuncture | 30% Coinsurance of our Plan allowance; 10 visits per member per calendar year | 50% Coinsurance of our Plan allowance and any difference between our allowance and the billed amount |
| Maternity care | Member Pays Nothing | 50% Coinsurance of our Plan allowance and any difference between our allowance and the billed amount |
| Maternity hospital stay | 30% Coinsurance of our Plan allowance | 50% Coinsurance of our Plan allowance and any difference between our allowance and the billed amount |
| Infertility diagnosis and treatment | 30% Coinsurance of our Plan allowance | 50% Coinsurance of our Plan allowance and any difference between our allowance and the billed amount |
| IVF and assisted reproduction | 30% Coinsurance of our Plan allowance, up to 3 cycles per calendar year (combined limit with Ovulation Induction and Advanced Reproductive Technology) | 50% Coinsurance of our Plan allowance and any difference between our allowance and the billed amount, up to 3 cycles per calendar year (combined limit with Ovulation Induction and Advanced Reproductive Technology) |
| Hearing aids | Not Covered | Not Covered |
| Durable medical equipment | 30% Coinsurance of our Plan allowance | 50% Coinsurance of our Plan allowance and any difference between our allowance and the billed amount |
| Home health | 30% Coinsurance of our Plan allowance, 60 visits per member per calendar year | 50% Coinsurance of our Plan allowance and any difference between our allowance and the billed amount, 60 visits per member per calendar year |
| 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) | Preferred Generic - $10 Copayment | Preferred Generic - 50% Coinsurance |
| Tier 2 | Preferred Brand - 45% Coinsurance | Preferred Brand - 50% 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 (Medicare Advantage option) | $1,200 | Not listed |
| 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 | $8,500 for self only enrollment | $10,000 |
| Primary care with Parts A and B | 30% Coinsurance of our plan allowance | 50% Coinsurance of our Plan allowance and any difference between our allowance and the billed amount |
| Specialist with Parts A and B | 30% Coinsurance of our plan allowance | 50% Coinsurance of our Plan allowance and any difference between our allowance and the billed amount |
| Hospital stay with Parts A and B | 30% Coinsurance of our plan allowance | 50% Coinsurance of our Plan allowance and any difference between our allowance and the 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
Aetna: HDHP, Aetna Direct, Aetna Advantage plan site · Summary of Benefits and Coverage · Brochure RI 73-934 (the official statement of benefits) · Every PSHB brochure · OPM premiums · What this brochure says about GLP-1 drugs · (833) 497-2412
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.
