Last Updated: November 1, 2026 Reading Time: 7 min
OPM has posted the 2027 FEDVIP premiums, and we compared every plan, region and enrollment type against the 2026 files. The average move is small: OPM says dental premiums rise 1.0% and vision 1.6% on average. Underneath that average, seven dental options hold their 2026 prices, four get cheaper, and a few rise 6% to 8%.
Open Season for 2027 coverage runs November 9 through December 14, 2026. FEDVIP changes are due by 11 pm Eastern on Monday, December 14, and take effect January 1, 2027.
How We Built These Numbers
Changes are computed from OPM's own 2026 and 2027 FEDVIP premium files (the dental and vision rate workbooks on OPM's Plan Premiums page, retrieved November 1, 2026). We matched each plan option, rating region and enrollment type across the two years. Every 2026 row has a 2027 match: 103 dental plan-region rows and 10 vision rows.
Your dental premium depends on your rating region, which is set by your ZIP code. The same GEHA Connection High plan costs $18.97 to $28.23 biweekly for Self Only, depending on the region. That is why the dental table below shows ranges. Vision premiums are the same everywhere.
The full plan-by-plan comparison, every region and every enrollment type in both biweekly and monthly rates, is a free CSV download.
FEDVIP 2027 Dental Premiums: Every Option
Self Only biweekly premium, lowest to highest rating region, with the percentage change from 2026. Self Plus One and Self & Family rates move by the same percentage within a fraction of a point.
| Dental Option | 2026 Self Only (biweekly) | 2027 Self Only (biweekly) | Change |
|---|---|---|---|
| EmblemHealth High (region 1 only) | $31.83 | $34.48 | +8.33% |
| United Concordia Standard | $10.93 to $16.21 | $11.77 to $17.47 | +7.7% |
| Delta Dental FEDP Standard | $10.33 to $14.65 | $10.93 to $15.51 | +5.8% to +5.9% |
| United Concordia High | $18.36 to $27.38 | $19.06 to $28.43 | +3.8% to +3.9% |
| Dominion National High (regions 1–3) | $9.84 to $14.51 | $10.17 to $15.01 | +3.4% |
| Dominion National Standard (regions 1–3) | $5.84 to $8.57 | $6.03 to $8.87 | +3.3% to +3.5% |
| MetLife Standard | $10.89 to $14.34 | $11.09 to $14.61 | +1.8% to +3.8% |
| Aetna High | $17.93 to $25.19 | $18.23 to $25.61 | +1.7% |
| Aetna Standard | $11.14 to $15.58 | $11.32 to $15.84 | +1.6% to +1.7% |
| UnitedHealthcare Dental High | $22.20 to $33.13 | $22.39 to $33.42 | +0.9% to +1.1% |
| FEP BlueDental High | $19.51 to $28.84 | $19.51 to $28.84 | 0% |
| FEP BlueDental Standard | $10.50 to $15.56 | $10.50 to $15.56 | 0% |
| GEHA Connection High | $18.97 to $28.23 | $18.97 to $28.23 | 0% |
| GEHA Connection Standard | $10.82 to $16.00 | $10.82 to $16.00 | 0% |
| MetLife High | $18.81 to $25.90 | $18.81 to $25.90 | 0% |
| Delta Dental FEDP High | $18.31 to $27.30 | $18.31 to $27.30 | 0% |
| EmblemHealth Standard (region 1 only) | $21.16 | $21.16 | 0% |
| UnitedHealthcare Dental Standard | $12.68 to $18.85 | $12.56 to $18.66 | -0.9% to -1.0% |
| Humana High (regions 1–5) | $21.73 to $32.24 | $21.52 to $31.91 | -1.0% |
| Humana Standard (regions 1–5) | $11.94 to $17.49 | $11.71 to $17.15 | -1.9% to -2.0% |
| Triple-S Salud High (region 1 only) | $6.19 | $6.01 | -2.91% |
Source: OPM 2026 and 2027 FEDVIP dental premium workbooks. FedTools computation; ranges run across the rating regions each plan serves.
The Biggest Dental Increases, in Dollars
Here are monthly-dollar examples for the three dental options with the largest percentage increases:
- EmblemHealth High: Self Only goes from $68.97 to $74.71 a month. Self Plus One goes from $137.80 to $149.24, $11.44 more a month. Self & Family rises $17.20 a month, about $206 a year.
- United Concordia Standard: in its highest-cost region, Self Only goes from $35.12 to $37.85 a month and Self & Family from $105.39 to $113.53.
- Delta Dental FEDP Standard: Self Only goes from $22.38 to $23.68 a month in region 1, and from $31.74 to $33.61 in its highest-cost regions. Delta High does not change.
If you are in one of these three Standard or High options, compare it to a flat-priced option at the same level before December 14.
FEDVIP 2027 Vision Premiums
| Vision Option | 2026 Self Only (biweekly) | 2027 Self Only (biweekly) | 2027 Self Plus One (biweekly) | 2027 Self & Family (biweekly) | Change |
|---|---|---|---|---|---|
| Aetna Vision Preferred Standard | $3.17 | $3.36 | $6.71 | $10.07 | +5.99% |
| UnitedHealthcare Vision High | $5.71 | $5.92 | $11.83 | $17.75 | +3.68% |
| UnitedHealthcare Vision Standard | $3.74 | $3.87 | $7.74 | $11.61 | +3.48% |
| MetLife Vision Standard | $3.67 | $3.79 | $7.58 | $11.37 | +3.27% |
| FEP BlueVision High | $5.66 | $5.82 | $11.63 | $17.45 | +2.83% |
| MetLife Vision High | $5.53 | $5.62 | $11.23 | $16.85 | +1.63% |
| Aetna Vision Preferred High | $5.68 | $5.71 | $11.39 | $17.10 | +0.53% |
| FEP BlueVision Standard | $3.56 | $3.56 | $7.12 | $10.68 | 0% |
| VSP Vision Care High | $6.72 | $6.72 | $13.46 | $20.19 | 0% |
| VSP Vision Care Standard | $3.58 | $3.58 | $7.16 | $10.75 | 0% |
Source: OPM 2026 and 2027 FEDVIP vision premium workbooks. Change column is Self Only biweekly.
The largest Self Plus One monthly increase in vision is UnitedHealthcare Vision High, from $24.72 to $25.63, or $0.91. Aetna's Standard vision option has the highest percentage increase, but it remains one of the lowest-priced vision options.
MOAA's October 21 coverage said all UnitedHealthcare Standard options got cheaper. That holds for UnitedHealthcare Dental Standard. UnitedHealthcare Vision Standard rises 3.48%.
What's New in FEDVIP for 2027
- FEDVIP offers 21 dental options from 11 carriers and 10 vision options from 5 carriers for 2027. Every 2026 plan option returns, so nobody is forced to switch.
- BENEFEDS adds a Compare Dental Service Costs Tool showing estimated out-of-pocket ranges for 75 common dental services across all 11 dental carriers (FEDVIP account required).
- Some carrier websites still show 2026 rates; OPM's file is the 2027 source. Delta Dental's FEDVIP page, for example, still showed a $14.65 biweekly Standard rate on November 1.
Who Can Enroll, and How
- Federal employees and retirees: employees generally qualify if they are eligible for FEHB and their position is not excluded by law or regulation. Annuitants on an immediate or disability annuity can enroll too.
- Military retirees: military retirees can buy FEDVIP dental; FEDVIP vision requires TRICARE health-plan enrollment.
- Where to enroll: make FEDVIP changes at BENEFEDS.gov or by phone at 1-877-888-3337 (TTY 711), not through your agency or FEHB carrier.
- If you do nothing: your FEDVIP plan rolls into 2027 at the 2027 premium.
Compare Your Health Plan Next
FEDVIP sits next to your FEHB health plan, and FEHB premiums move far more for 2027. Use the free FEHB Calculator: select 2027 as the plan year, then choose your plan and enrollment type to compare 2027 premiums before Open Season closes. Compare FEHB plans.
Frequently Asked Questions
How much are FEDVIP premiums going up for 2027?
OPM says the average FEDVIP premium rises 1.0% for dental and 1.6% for vision in 2027. Individual plans range from about a 2.9% to 3.0% decrease (Triple-S Salud High, depending on enrollment type and payment frequency) to an 8.3% increase (EmblemHealth High). Seven of the 21 dental options and three of the 10 vision options keep their 2026 premiums.
Which FEDVIP dental plans are not raising premiums for 2027?
Seven of the 21 dental options keep their 2026 premiums in every region and enrollment type: FEP BlueDental High and Standard, GEHA Connection High and Standard, MetLife High, Delta Dental FEDP High and EmblemHealth Standard.
Which FEDVIP plans get cheaper in 2027?
Four dental options cost less in 2027: Triple-S High, both Humana options, and UnitedHealthcare Dental Standard. Triple-S Salud High has the largest cut, about 2.9% to 3.0% depending on enrollment type and payment frequency. No vision option gets cheaper.
When do FEDVIP 2027 changes take effect?
Open Season FEDVIP enrollments and changes take effect January 1, 2027. Open Season runs November 9 through December 14, 2026, and FEDVIP changes are due by 11
pm Eastern on Monday, December 14.Do I have to re-enroll in FEDVIP for 2027?
No. Do nothing and your FEDVIP plan rolls into 2027 at the 2027 premium. Every 2026 plan option returns for 2027, so nobody is forced to switch.
Where do I change my FEDVIP plan?
Make FEDVIP changes at BENEFEDS.gov or by phone at 1-877-888-3337 (TTY 711), not through your agency or FEHB carrier.
Related Resources
- FEDVIP Dental and Vision Guide 2026: How FEDVIP works, what the plans cover and how premiums are paid.
- VADIP vs. VA Dental vs. FEDVIP for Veterans: Which dental route fits a veteran or military retiree.
- FEHB 2027 Deductible and Out-of-Pocket Changes by Plan: The health-plan side of the same Open Season.
- FEHB Open Season 2026: How to Make Your 2027 Changes: Dates, steps and deadlines.
Sources: OPM FEDVIP Plan Premiums (2026 and 2027 dental and vision rate workbooks, retrieved November 1, 2026), OPM Open Season highlights for plan year 2027, OPM FEDVIP eligibility, OPM FEDVIP enrollment.