It’s commonly cited that just about 5% of participants in the Federal Employees Health Benefits program change their plan during Open Season each year — so it may not be surprising to learn that many FEHB participants who take advantage of Open Season also tend to wait until the last minute to do so.

But during Federal News Network’s 2026 Open Season Exchange, Holly Schumann, principal deputy associate director for health care and insurance at the Office of Personnel Management, urged participants to get started on their research sooner rather than later.

“We do typically see a big surge of traffic on the last few days of Open Season, but I really encourage folks to take action earlier,” Schumann said. “Take the time to study all of the information. And that’s much easier to do if you’re not waiting until the last minute and feeling pressure to make a decision.”

Tips on how to research federal health insurance options

Schumann also gave some advice for where participants can get started on their studying. She recommended going first to OPM’s website. There, participants can find a plan comparison tool, as well as deeply detailed plan information across all health insurance carriers.

The plan brochures from FEHB carriers — as well as those in the Postal Service Health Benefits program — cover benefits changes for 2026, details on Medicare for each plan option, what the premium rates will look like beginning in January and much more.

“We don’t want anybody to be caught surprised by a change in their plan that they weren’t aware of,” Schumann said. “If you have a specific health care need, I really encourage you to take the time find the link on our website, download the brochure and take a few minutes to leaf through it.”

Beyond FEHB and PSHB information, enrollees can also see more details on OPM’s website about the Federal Employees Dental and Vision Insurance Program, as well as FSAFEDS — the government’s program for flexible spending accounts. FSAFEDS allows current federal employees each year to set aside pre-tax dollars to go toward eligible out-of-pocket medical expenses.

Schumann strongly encouraged participants to consider enrolling in an FSA, to help save on out-of-pocket costs.

“It allows you to save essentially 20% or 30% on what you would pay for those things, when you consider the tax savings,” Schumann explained. “There is a ‘use or lose’ rule with a flexible spending account generally, but there are mechanisms where, on the health care side for example, you can roll over any excess funds up to a certain limit — assuming you enroll in a flexible spending account the next year.”

While benefits inevitably change year-to-year in FEHB and PSHB, there are also a handful of coverage updates coming from carriers in FEDVIP as well, Schumann said. That makes it all the more prudent for participants to take a look at what’s out there this Open Season.

“Among dental plans, there are some who are offering additional enhanced benefits for additional cleanings during pregnancy, for example,” she said. “On the vision side, there are some plans that are offering additional benefits for folks with diabetes, since we know that they require some enhanced vision services. Folks who might be interested in those benefits should take the time to look at OPM’s website and find out more information about those.”

OPM’s year-round work on health insurance

Although Open Season is the most public-facing time of year for OPM’s health insurance office, the work for the agency truly takes place year-round when it comes to the government’s various insurance programs.

Throughout the year, OPM issues call letters to collaborate with carriers on any changes to benefits or coverage for the following plan year, as well as to discuss priorities on premium rates and costs within the insurance programs.

The premiums are, in part, driven by costs of care from prior years, while also incorporating predictions of what health care costs will look like in the year ahead, Schumann explained. Based on the estimations, OPM’s actuarial team then negotiates the rates with carriers to reach the final values.

“Really what we’re seeking to do is to find the right balance of comprehensive medical coverage with affordability — we’re always trying to strike that balance,” she said.

In the weeks leading up to Open Season’s start date, OPM works to update all information on its website — including the plan comparison tool, as well as all carriers’ health plan brochures for the following plan year.

“We can add information, if needed, to make sure that people get what they need to make informed decisions,” Schumann said. “We also monitor the web traffic to our site to see where people are coming from and what information sources they are most interested in, so that we can adapt during Open Season.”

Then once Open Season ends, OPM works closely with FEHB and PSHB carriers to make sure any participants who changed plans during the open enrollment period are able to get their new insurance cards and all the information they need, ahead of the actual start of the new plan year in January.

Medicare Part D — and the final word

During Open Season, Schumann also stressed the importance of considering some key differences within Medicare Part D and how that will operate for participants depending on whether they are in the FEHB or the PSHB program.

“Many FEHB plans, though not all, provide a Part D prescription drug plan that works in conjunction with their plan. And if you’re eligible and Medicare-enrolled, you’ll be opted into that plan,” Schumann said. “But you can opt out, and you will still have coverage under the underlying FEHB plan, if you choose not to enroll in Part D.”

But for Medicare-eligible PSHB participants, there is an important caveat: PSHB enrollees can only access prescription drug coverage through the program if they have Medicare Part D.

All Medicare-eligible participants will be automatically enrolled, but there is no underlying prescription drug coverage for PSHB participants if they choose to opt out of Part D.

“Every PSHB plan offers a Part D plan that works in conjunction with the PSHB plan,” Schumann said. “Enrollees still have the option to go out on the retail market, if they prefer to choose a different plan than the one offered by their carrier, and purchase a Part D plan. But they just need to know that they have to have Part D if they want to have any sort of prescription drug coverage at all” through PSHB.

Ultimately, Schumann doubled down on her recommendation for studying up and getting an early start on Open Season to ensure participants find the best plan option for them.

“I know it can be daunting to make your way through all of this information about all of the benefit choices available to you, but it’s really time well spent to make sure that you get the coverage that’s right for you and for your family,” she said. “We welcome the opportunity to serve you, and we always welcome feedback on how we can make things better in the future. So take the time, make those decisions carefully, and we’ll look forward to a successful Open Season.”

Discover more articles and videos now on our 2026 Open Season Exchange event page.

The post 2026 Open Season Exchange: OPM’s Holly Schumann on getting a head start this Open Season first appeared on Federal News Network.

Participants will see yet another year of large premium increases for 2026, with increasing costs that will impact virtually all enrollees in both the Federal Employees Health Benefits and Postal Service Health Benefits programs.

But Kevin Moss, director of marketing and fundraising at Consumers’ Checkbook and our Fed With Benefits columnist, said that’s not the full story this Open Season.

“The premiums don’t all move in the same direction,” Moss said during Federal News Network’s 2026 Open Season Exchange. “There are 23 plans next year where the premium is going down in FEHB. … About half of all the other plans are either moving below that average or above that average. So you’ll have to do the research this Open Season.”

Overall, premiums are going up substantially for plan year 2026. FEHB participants will pay an average of 12.3% more toward their premiums. Out of all FEHB plans, 57 are increasing at a rate lower than the average, and 49 plans are increasing at a rate higher than the average.

For PSHB participants, premium costs are rising by an average of 11.3%, with 35 increasing at a rate below the average and 26 increasing more than the average. Thirteen plan premiums are decreasing, and one is staying the same.

Why premiums are on the rise

Some of the major driving factors behind the premium increases are GLP-1 medications, something that the Office of Personnel Management requires carriers to cover, as well as the rising age of enrollees in FEHB and PSHB.

Premiums are also rising in the Federal Employees Dental and Vision Insurance Program (FEDVIP), but to a much smaller extent. For 2026, the average dental premium increase is 3.35%, while vision premiums will rise by an average of 0.47%.

Still, there are several ways that enrollees can hedge against the rising costs next year, Moss said. For current federal employees, he recommended contributing to a Flexible Spending Account through the FSAFEDS program. It’s an option that’s available to all active federal employees, but right now, just 20% of the federal workforce takes advantage of the program.

The FSA option allows federal employees to set aside pre-tax dollars for eligible medical, dental and vision costs — and feds may be able to save about 30% on those costs by using an FSA. For 2026, federal employees can contribute about $100 more toward an FSA, for a total contribution limit of $3,400.

“Every federal employee has some out-of-pocket health care costs that they can budget and predict,” Moss said. “When we think about medical expenses and when we also consider vision expenses and dental expenses, I think most federal employees can at least find a few hundred dollars that they predict that they’re going to spend out of pocket.”

Changes to plans and coverage for 2026

At the same time that most health plan premiums are on the rise, it’s inevitable that each year some plans will exit the FEHB marketplace, while some new ones pop up.

For 2026, there will be a total of 47 carriers and 132 plan options available in the FEHB program, according to OPM. For PSHB, there will be 75 total plan options participants can choose from, across 17 different carriers.

A number of smaller and regional plans are leaving the FEHB marketplace next year: Health Alliance’s HMO Standard; AvMed Health Plan’s HDHP and Standard plans; Independent Health’s High plan; Blue Care Network of Michigan’s High plan; and Priority Health’s High plan.

GEHA Elevate and GEHA Elevate Plus are the only two plan options leaving PSHB next year.

But Moss said the most significant change for 2026 are the two plans from the National Association of Letter Carriers that are leaving the FEHB program. NALC’s exit from FEHB will impact about 29,000 enrollees who will have to either select a new plan during Open Season or be auto-enrolled into GEHA High.

That auto-enrollment option might be the right choice for individuals, Moss said, but it also might not.

“You’ll want to find out how it works before getting auto-enrolled in that plan,” Moss said.

There are also several important benefit updates that enrollees should be aware of, Moss explained. There have been some recent changes, for instance, in the coverage of in vitro fertilization through FEHB and PSHB. BlueCross BlueShield Standard and GEHA High both offer a similar benefit of up to $25,000 to cover IVF treatments.

“If you’re thinking about IVF, just make sure that you’re also thinking the other aspects of plan choice before making that plan decision,” Moss said. “What are the premium differences? What about provider network? What about the other benefits that those plans offer? Make sure that you’re really comparing on more than just the IVF.”

OPM additionally requires all carriers in both FEHB and PSHB to cover at least one GLP-1 medication prescribed for weight loss — something that Moss said is ahead of the curve in comparison to the commercial market.

“You’re going to want to go to the prescription drug resource information on the carrier websites to find out about cost coverage, whether there’s pre-authorization requirements and get some pricing information,” he said.

One other notable change for 2026 is that OPM is requiring all carriers to drop coverage of gender-affirming care for participants. OPM’s requirements earlier this year initially told carriers only to stop providing pediatric coverage of gender-affirming care, but OPM later expanded the requirement to block coverage for all enrollees in both FEHB and PSHB.

An important caveat to OPM’s changes, however, is that FEHB or PSHB enrollees who are mid-treatment for gender-affirming care will still be able to continue getting their treatment covered next year.

“The definition of ‘mid-treatment’ is left to the carriers, so anyone who’s using gender-affirming care services will really want to find out from their carrier, either through the plan brochure or the carrier website itself,” Moss said.

Taking advantage of Open Season

Even if enrollees feel satisfied with their plan option, they’d still be wise to do some research during Open Season, Moss said. Usually, just about 5% of FEHB enrollees change their plan options during each year’s open enrollment window.

“There’s homework that every federal employee has, and it all starts with looking at what’s different with your plan that you currently have,” Moss said. “The premium is probably different. The benefits can change.”

Taking a look at section two of a carrier’s plan brochure will detail any changes in benefits and costs that will occur next plan year. Because OPM mandates that all carriers’ plan brochures have the same formatting, it’s relatively easy to compare costs and benefits across different plan options, Moss said.

OPM also has a plan comparison tool, and Consumer’s Checkbook offers a “Guide to Health Plans” for federal employees, which is accessible for free through many federal agencies. The comprehensive guide includes estimated yearly costs and which plans may have the best value.

“All these resources are there for you to help people better understand both their plan and different plan options this Open Season,” Moss said.

In spite of the sharply rising premiums, Moss said, “There could be a positive here: It may spur folks to actually look to see, ‘Are there other plans that maybe can offer greater value, where I can still keep the providers that I’ve grown accustomed to but then save quite a bit of money by switching plans?’ ”

Discover more articles and videos now on our 2026 Open Season Exchange event page.

The post 2026 Open Season Exchange: Consumers’ Checkbook’s Kevin Moss on must-know details of FEHB, PSHB first appeared on Federal News Network.