GEHA High Deductible Health Plan (HDHP) — 2026 Premiums & Cost Guide
GEHA High Deductible Health Plan (HDHP) is a nationwide HDHP plan offered to all federal employees and retirees. 2026 biweekly employee share: $81.62 (Self Only) to $215.63 (Self and Family). HSA-eligible — pair with a Health Savings Account for triple tax savings; GEHA seeds the HSA annually.
Premium Source: OPM 2026 FEHB Premium Rates (official OPM spreadsheet) • Data Year: 2026 Open Season
About This Plan
Government Employees Health Association · HDHP · Nationwide · OPM enrollment codes: 341 / 343 / 342
GEHA's High Deductible Health Plan (HDHP) pairs a low biweekly premium with IRS-qualified HDHP status — making it eligible for a Health Savings Account (HSA). Federal employees who open an HSA alongside GEHA HDHP get a tax triple-advantage: pre-tax contributions, tax-free growth, and tax-free withdrawals for qualified medical expenses. GEHA also provides an annual HSA seed contribution, further reducing effective costs.
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 | $326.47 | $244.85 | $81.62 | 341 |
| Self Plus One | $701.88 | $526.41 | $175.47 | 343 |
| Self and Family | $862.51 | $646.88 | $215.63 | 342 |
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 | $176.84 | $2,122.06 | $8,488.22 |
| Self Plus One | $380.19 | $4,562.22 | $18,248.88 |
| Self and Family | $467.19 | $5,606.32 | $22,425.26 |
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 | — |
| 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
Federal retirees cannot contribute new dollars to an HSA after enrolling in Medicare (Part A or B). However, accumulated HSA funds can still be spent on Medicare premiums (Parts B, C, D) and other qualified expenses tax-free. Many employees maximize HSA contributions pre-retirement specifically for this purpose.
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 GEHA High Deductible Health Plan (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.
GEHA High Deductible Health Plan (HDHP) — Frequently Asked Questions
How much does GEHA High Deductible Health Plan (HDHP) cost per paycheck in 2026?
For 2026, the GEHA High Deductible Health Plan (HDHP) biweekly employee share is: Self Only $81.62, Self Plus One $175.47, Self and Family $215.63. 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 GEHA High Deductible Health Plan (HDHP)?
For 2026, the government pays the lesser of 75% of the total biweekly premium or the program-wide cap. For GEHA High Deductible Health Plan (HDHP) Self Only ($326.47 biweekly total), the government pays $244.85 and you pay $81.62. For Self and Family ($862.51 total), the government pays the 2026 cap of $778.03 and you pay $215.63.
How do GEHA High Deductible Health Plan (HDHP) premiums change at retirement?
Federal retirees cannot contribute new dollars to an HSA after enrolling in Medicare (Part A or B). However, accumulated HSA funds can still be spent on Medicare premiums (Parts B, C, D) and other qualified expenses tax-free. Many employees maximize HSA contributions pre-retirement specifically for this purpose.
Is GEHA High Deductible Health Plan (HDHP) a good FEHB plan?
HSA-eligible — pair with a Health Savings Account for triple tax savings; GEHA seeds the HSA annually. 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 GEHA High Deductible Health Plan (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.