FEHB Open Season Online
Federal Employees Health Benefits
This Site Can Only Be Used By Federal Retirees, Survivor Annuitants, or Former Spouse Annuitants
The 2024 Federal Benefits Open Season will be held
November 12, 2024 through December 9, 2024
The Postal Service Reform Act of 2022 required OPM to establish the Postal Service Health Benefits Program for Postal Service employees and annuitants and their covered family members. If you are a Postal annuitant, please click www.keepingposted.org or call (844) 451-1264 for assistance. If you are a Postal employee, please click myhr.usps.gov or call (877) 477-3273 for assistance.
Please note: OPM and FEHB Carriers have been successful at mitigating large premium increases, but some years the increase may still be higher than others. Premiums must be representative of the cost of the benefits provided. The largest contributor to the 2025 premium increase is increases in trend, which measures the change in costs and utilization of services. This means enrollees are using their insurance and getting care at a higher rate and the costs of those services are also increasing. Carriers noted increases due to the impact of price rises by providers and suppliers, increased utilization of certain prescription drugs (such as weight loss drugs), and behavioral health care spending. These industry-wide cost pressures will affect PSHBP and FEHBP rates similarly.
Access to Open Season Online requires enrolling into Login.gov, which is the Government's secure login tool. Once you register with Login.gov, you will use your Login.gov credentials to sign-in to Open Season Online.
With your Login.gov account, you can securely connect to multiple government accounts online.
Remember, if you do not want to change your present insurance coverage, you do not need to do anything. Your current coverage will continue automatically unless your plan no longer participates in the FEHB program.
If you are a current Federal Employee, please contact your Human Resources office for information regarding health benefits enrollment changes.
To report the death of a spouse or to inquire about the status of your retirement case, call the Retirement Information Office at 1-888-767-6738, Monday through Friday 7:40am to 5:00pm eastern time.
If you pay your health benefit premiums directly to OPM and have questions, please contact the National Finance Center at 1-800-242-9630.
For Worker's Compensation questions, please call the Department of Labor's toll free number 1-866-487-2365, Monday through Friday from 8am to 8pm eastern time.
All FEHB plans qualify as minimum essential coverage (MEC) and meet the Patient Protection and Affordable Care Act’s individual shared responsibility requirement for each individual covered under the FEHB plan. Please visit the IRS website at http://www.irs.gov/uac/Questions-and-Answers-on-the-Individual-Shared-Responsibility-Provision for more information on the individual requirement for MEC that took effect on January 1, 2014.
Open Season Online allows you to:
- Chat with a Customer Service Representative using the Live Help Icon button located on the bottom right side of the page.
- Send a webmail message which will be answered by a Customer Service Representative.
- Review health plan brochures at https://www.opm.gov/healthcare-insurance/healthcare/plan-information.
- Find out how to receive your IRS 1099R, annual mailer, and other informational alerts electronically at https://www.servicesonline.opm.gov.
- Access Open Season information via your mobile device https://retireefehb.opm.gov/mobile/.
To access Open Season Online, you must sign in to Login.gov. Once you create an account on Login.gov, you can access Open Season Online using your annuity claim number (CSA or CSF) and your Social Security number. Your annuity claim number can be found on the FEHB Open Season mailer that was mailed to you or on any correspondence you receive from OPM. Once you sign in to Open Season Online, you can select from the following:
- Make an enrollment change or reenroll
- Review and update dependent Information
- Review health plan brochures
- Review information on canceling/suspending your enrollment
- Review information on paying your health benefit premiums directly to OPM
- Perform an address change
- Provide or update your email address
- View frequently asked questions
- Review an Open Season Health Benefits Guide
- Review the Health Benefits Election Form
- View transaction history
- Go to OPM’s Comparison Tool
- Log off
If you experience difficulties using Open Season Online you, can call Open Season Express at our toll-free number, 1-800-332-9798, to complete your transaction.
Remember, if you do not want to change your current insurance coverage, you do not need to do anything, unless your plan no longer participates in the FEHB program. Your current coverage will continue automatically.
OPM has determined that all FEHB plans offer prescription drug coverage that is equivalent to Medicare Part D’s drug coverage. However, if at a later time you decide to enroll in Part D (and you have not gone 63 days without FEHB coverage) you will not have to pay the penalty for not enrolling in Part D at your first opportunity.
For other retirement information visit www.opm.gov/retire.
Dental and Vision Benefits
During Open Season, go to www.BENEFEDS.gov to enroll or change enrollment in the Federal Employees Dental and Vision Insurance Program (FEDVIP). BENEFEDS is a secure enrollment website sponsored by OPM. If you do not have access to a computer, call BENEFEDS at 1-877-888-FEDS (1-877-888-3337), TTY number 1-877-889-5680.
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OMB approved this collection of information. Select this link to view the Privacy Act and Public Burden Statement.