Aetna HealthFund HDHP — 2026 Premiums & Cost Guide
Aetna HealthFund HDHP is a nationwide HDHP plan offered to all federal employees and retirees. 2026 biweekly employee share: $154.76 (Self Only) to $279.69 (Self and Family). HSA-eligible HDHP with 100% coverage after the deductible — ideal for employees who want maximum HSA tax savings.
Premium Source: OPM 2026 FEHB Premium Rates (official OPM spreadsheet) • Data Year: 2026 Open Season
About This Plan
Aetna Life Insurance Company · HDHP · Nationwide · OPM enrollment codes: 224 / 226 / 225
Aetna HealthFund HDHP is a nationwide IRS-qualified HDHP available to all federal employees, priced identically in every state (unlike most Aetna regional HMO plans). The $1,650 in-network deductible qualifies it for HSA contributions. After meeting the deductible, all in-network services are covered at 100% — no copays. Aetna's nationwide Open Access PPO network is used, with out-of-network coverage at a higher cost-share.
2026 Biweekly Premiums
OPM-verified biweekly totals, government share, and employee (your) share for all three enrollment tiers.
| Enrollment Tier | Biweekly Total | Government Pays | You Pay | OPM Code |
|---|---|---|---|---|
| Self Only | $479.52 | $324.76 | $154.76 | 224 |
| Self Plus One | $1,037.02 | $711.17 | $325.85 | 226 |
| Self and Family | $1,057.72 | $778.03 | $279.69 | 225 |
Government pays the LESSER of 75% of the premium OR the 2026 OPM cap: Self $324.76 / Self+One $711.17 / Family $778.03. Source: OPM Federal Employees Health Benefits
Monthly & Annual Employee Cost
Monthly = biweekly × 26 ÷ 12 (OPM standard conversion). Annual = biweekly × 26. These are your out-of-pocket premium costs before any healthcare services.
| Enrollment Tier | Monthly (Your Share) | Annual (Your Share) | Annual (Total) |
|---|---|---|---|
| Self Only | $335.31 | $4,023.76 | $12,467.52 |
| Self Plus One | $706.01 | $8,472.10 | $26,962.52 |
| Self and Family | $606.00 | $7,271.94 | $27,500.72 |
Benefits Snapshot
Key cost-sharing parameters for 2026. Verify detailed benefits in the official OPM plan brochure.
| Benefit | In-Network | Out-of-Network |
|---|---|---|
| Deductible | $1,650.00 | $3,300.00 |
| Out-of-Pocket Maximum | $8,050.00 | — |
| Primary Care Copay | $0 (after deductible) | — |
| Specialist Copay | $0 (after deductible) | — |
| HSA Eligible | Yes — HDHP qualifies | — |
Benefits summary for comparison only. Verify all benefits in the official OPM plan brochure at opm.gov plan brochures →
Costs in Retirement
Like GEHA HDHP, Aetna HealthFund HDHP savers can continue using their HSA balance in retirement but cannot make new HSA contributions once enrolled in Medicare Part A. Pre-retirement strategy: max out HSA contributions every year before 65 to build a medical nest egg.
FEHB 5-Year Rule: To carry FEHB into retirement, you must be enrolled in an FEHB plan (or covered under TRICARE/CHAMPVA) for the 5 consecutive years immediately before your retirement date. If you are not yet enrolled, start coverage as soon as possible to preserve this option.
Compare Aetna HealthFund HDHP to All FEHB Plans
Use the FedTools FEHB Calculator to compare this plan against all 2026 nationwide plans for your enrollment tier and employee status.
Aetna HealthFund HDHP — Frequently Asked Questions
How much does Aetna HealthFund HDHP cost per paycheck in 2026?
For 2026, the Aetna HealthFund HDHP biweekly employee share is: Self Only $154.76, Self Plus One $325.85, Self and Family $279.69. The government pays the lesser of 75% of your plan premium or the OPM-set cap ($324.76/$711.17/$778.03 for Self/Self+One/Family in 2026). Use the FEHB Calculator to compare all plans side-by-side.
What does the government pay toward Aetna HealthFund HDHP?
For 2026, the government pays the lesser of 75% of the total biweekly premium or the program-wide cap. For Aetna HealthFund HDHP Self Only ($479.52 biweekly total), the government pays $324.76 and you pay $154.76. For Self and Family ($1057.72 total), the government pays the 2026 cap of $778.03 and you pay $279.69.
How do Aetna HealthFund HDHP premiums change at retirement?
Like GEHA HDHP, Aetna HealthFund HDHP savers can continue using their HSA balance in retirement but cannot make new HSA contributions once enrolled in Medicare Part A. Pre-retirement strategy: max out HSA contributions every year before 65 to build a medical nest egg.
Is Aetna HealthFund HDHP a good FEHB plan?
HSA-eligible HDHP with 100% coverage after the deductible — ideal for employees who want maximum HSA tax savings. The right FEHB plan depends on your healthcare utilization, family size, preferred network, and whether you want HSA eligibility (available only with HDHP plans). Use the FedTools FEHB Calculator to compare Aetna HealthFund HDHP against all other plans for your specific enrollment tier.
Other FEHB Plan Premium Pages
Premium breakdowns and cost guides for all 2026 nationwide FEHB plans.
Data Accuracy Notice: All premium figures on this page are copied cell-for-cell from OPM's official 2026 FEHB premium rate spreadsheets (FFS and HMO/Other). The government contribution is computed per OPM's formula (lesser of 75% of premium or the program-wide cap). This page does not constitute financial or benefits advice. Verify current rates with your agency HR office and OPM.gov.