2026 FEHB Open Season Guide

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The 2026 FEHB Open Season Guide is written for active Federal employees to help you navigate the variety of coverage options available this Open Season. This year will see significant changes in Federal benefits, with premium increases and more than 130 plan options for FEHB enrollees. Meanwhile, the Postal Service Health Benefits (PSHB) program continues to run parallel to FEHB.
Given this, you want to ensure that you’re prepared. This guide can help you make the best choices for your needs.

What You’ll Find in This Guide

How to get the most from your Federal health insurance.
Understanding the FEHB.
Changes in FEHB

Group Term Life Insurance

Up to $1.5 million in temporary protection for current and former Feds. Fully portable, this coverage goes where you go.

QuickDecision Group Term Life Insurance

With QuickDecision underwriting, eligible applicants can apply online and receive a coverage decision in 30 minutes or less.

Group Short-Term Disability Insurance

Up to $6,500 in monthly paycheck protection for up to six months if you’re unable to work due to a covered illness or injury.

Guaranteed Issue Group Term Life Insurance

New Federal employees can receive up to $100,000 in guaranteed coverage when they apply within their first year without medical exams.

Chronic Illness Rider

A living benefit that can be added to a Group Term Life Insurance policy and offers support if you become permanently chronically ill.

Automatic Benefit Increase Rider

An optional add-on to Group Term Life Insurance that gradually increases your coverage to stay aligned with your changing needs.

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