HealthPartners, 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 KGD | $74.18 gov $222.53 | $160.72 | $160.72 | +$6.62 biweekly (+9.8%) | $1,929 |
| Self Plus One code KGF | $163.94 gov $491.81 | $355.20 | $355.20 | +$14.64 biweekly (+9.8%) | $4,262 |
| Self and Family code KGE | $180.70 gov $542.11 | $391.52 | $391.52 | +$16.13 biweekly (+9.8%) | $4,698 |
Traditional, HMO network. Offered in Iowa (statewide); Minnesota (statewide); North Dakota (44 counties); South Dakota (54 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 | $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 | 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 | 25% Coinsurance 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 | 40% Coinsurance After out-of-network deductible |
| Hospital stay, per admission | 25% Coinsurance After in-network deductible | 40% Coinsurance After out-of-network deductible |
| Hospital room | 25% Coinsurance After in-network deductible | 40% Coinsurance After out-of-network deductible |
| Surgeon, inpatient | 25% Coinsurance After in-network deductible | 40% Coinsurance After out-of-network deductible |
| Outpatient surgery | 25% Coinsurance After in-network deductible | 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 Members pay the $1,500 annual hospital deductible for inpatient and outpatient hospital services combined, then nothing for inpatient hospital maternity 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 19, see brochure for more details | Covered See brochure for more details |
| 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) | Preferred Generic - $5 Copayment | Preferred Generic - 60% Coinsurance |
| Tier 2 | Generic - $25 Copayment | Generic - 60% Coinsurance |
| Tier 3 | Preferred Brand - 40% Coinsurance | Preferred Brand - 60% Coinsurance |
| Tier 4 | Non-Preferred Brand - 60% Coinsurance | Non-Preferred Brand - 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 |
| Part D drug plan: most you pay in a year | $2,400 | Not listed |
| Deductible with Parts A and B | Deductible waived Assumes A & B primary | $2,000 Deductible not waived |
| Out-of-pocket maximum with Parts A and B | $10,000 | Not applicable |
| Primary care with Parts A and B | Member Pays Nothing Assumes A & B primary | 40% Coinsurance After out-of-network deductible |
| Specialist with Parts A and B | Member Pays Nothing Assumes A & B primary | 40% Coinsurance After out-of-network deductible |
| Hospital stay with Parts A and B | Member Pays Nothing Assumes A & B primary | 40% Coinsurance After out-of-network deductible |
| 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
HealthPartners plan site · Summary of Benefits and Coverage · Brochure RI 73-915 (the official statement of benefits) · Every PSHB brochure · OPM premiums · What this brochure says about GLP-1 drugs · (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 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.
