What is the best health insurance for federal retirees

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A better choice for good health

At Kaiser Permanente, Federal Employees and Retirees get more than just a health plan. We give you the top doctors, personalized care, and services you need - in a way that fits you and your lifestyle.

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A better choice for good health
2023 Benefit Highlights2
Connected Care
Calm app for meditation
myStrength app to help improve well-being
Federal Employees Health Benefits Program (FEHB)
View Open IRS Careers
Get in Touch with the IRS
What is the most popular federal health insurance?
What health insurance do most federal employees have?
Which health insurance is best for old age?
What state has best healthcare for seniors?

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2023 Benefit Highlights2

$0 Telehealth
More access to care coast-to-coast
$15 Chiropractic services (up to 20 visits per year)
Earn up to $150 in Healthy Rewards
Save time and money on prescription drugs by ordering online or by phone

Ready to enroll?

Connected Care

Kaiser Permanente combines care and coverage — which makes us different from your other health care options. Your doctors, hospitals, and health plan work together to make exceptional health care easy to get.

Learn more about your FEHB benefits for 2023. View an Open Season webinar hosted by Kaiser Permanente. Register today >

Calm app for meditation

Calm3 is the #1 app for meditation and sleep — designed to help lower stress, reduce anxiety, and more. Kaiser Permanente members can access all the great features of Calm at no cost.

ClassPass

Fitness industry leader ClassPass makes it easier for you to work out from anywhere. Kaiser Permanente members can get unlimited on-demand video workouts at no cost and reduced rates on in-person fitness classes.4

myStrength app to help improve well-being

myStrength3 is a personalized program that helps you improve your awareness and change behaviors. Kaiser Permanente members can explore interactive activities, in-the-moment coping tools, community support, and more at no cost.

1To use the Kaiser Permanente app, you must be a Kaiser Permanente member registered on kp.org.
2This is a summary of the features of the Kaiser Permanente health plan. Before making a final decision, please read the plan’s Federal brochure (RI 73-003). All benefits are subject to the definitions, limitations, and exclusions set forth in the Federal brochure.
3These value-added products are neither offered nor guaranteed under contract with the FEHB Program, but are made available to all enrollees and family members who become members of Kaiser Permanente.The apps described above are not covered under your health plan benefits and are not subject to the terms set forth in your Evidence of Coverage or other plan documents. These services may be discontinued at any time without notice. Calm and myStrength are not available to Kaiser Permanente Dental-only members.
4ClassPass is not available to Medi-Cal and Medicaid members. ClassPass is not available to Kaiser Permanente Dental-only members. The services described above are not covered under your health plan benefits and are not subject to the terms set forth in your Evidence of Coverage or other plan documents. These services may be discontinued at any time without notice. These value-added products are neither offered nor guaranteed under contract with the FEHB Program, but are made available to all enrollees and family members who become members of Kaiser Permanente. These services may be modified or discontinued at any time without notice.

Federal Employees Health Benefits Program (FEHB)

The IRS participates in the Federal Employees Health Benefits Program (FEHB), one of the best health care insurance programs in the world. You can choose from a variety of health care plans and options, and your IRS health benefits cover you and your family members at reasonable rates. This program offers:

One of the widest selections of plans in the country
Annual open season
Coverage that continues into retirement, at the same rate
Pre-tax options

The FEHB Program can help you meet your health care needs. Federal employees, retirees and their survivors enjoy the widest selection of health plans in the country.

Here are even more important program features:

No waiting periods. You can use your benefits as soon as your coverage becomes effective. There are no pre-existing condition limitations even if you change plans.
A choice of coverage. You can choose self-only coverage for you, or self and family coverage for you, your spouse, and unmarried dependent children under age 22. Under certain circumstances, your FEHB enrollment may cover your disabled child 22 years old or older who is incapable of self-support.
A choice of plans and options.
- Fee-for-Service (FFS) plans
- Plans offering a Point of Service (POS) product
- Health Maintenance Organizations (HMO)
A Government contribution. The Government pays 72 percent of the average premium toward the total cost of the premium, but not more than 75 percent of the total premium for any plan.
Salary deduction. You pay your share of the premium through a payroll deduction and have the choice of doing so using pretax dollars.

If you are in an eligible position, you have 60 days from your entry on duty date to sign-up for a health insurance plan. Otherwise, you may enroll during the Federal Benefits Open Season which is held each year beginning the second Monday in November through the second Monday in December. You can also enroll or make changes outside of Open Season if you have a qualifying life event (QLE) such as the birth of a child, divorce or other qualifying event.

If you don't make an election within 60 days from becoming eligible, you are considered to have declined coverage, and you must wait until the next open season or QLE to enroll. Except for open season, most enrollments are effective the first day of the first pay period after the agency receives your SF-2809, Health Benefits Election form. The enrollment must follow a pay period during any part of which you’re in pay status.

You can get all the latest information at the OPM web site, just go to http://www.opm.gov/insure/health/index.asp

View Open IRS Careers

Get in Touch with the IRS

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What is the most popular federal health insurance?

Albany, NY – February 3, 2021 – CDPHP is proud to announce that it is ranked No. 1 in the nation for federal employee health benefits (FEHB) for the second year in a row.

What health insurance do most federal employees have?

Federal Employees Health Benefits (FEHB) Program http://www.opm.gov/healthcare- insurance/healthcare/ FEHB provides comprehensive health insurance. You can choose from fee-for-service plans, health maintenance organizations, consumer-driven plans and high deductible health plans.