Federal Employees Health Benefits Program

The Federal Employees Health Benefits (FEHB) Program is a system of "managed competition" through which employee health benefits are provided to civilian government employees and annuitants of the United States government. The government contributes 63% of the weighted average premium of all plans as of 2025 for single, not to exceed 75%. For spouse plus one, the maximum contribution is $650, often less. For example, BCBC standard biweekly premium is $1,034.14 biweekly, while the government contributes $650, for a 62.86% contribution rate.

The FEHB program allows some insurance companies, employee associations, and labor unions to market health insurance plans to governmental employees. The program is administered by the United States Office of Personnel Management (OPM).

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