Which 2022 FEHB Plans Cost More for Self Plus One Than Family?

Some 2022 FEHB plans will cost more for the Self Plus One option than for the Self and Family option.

If you are enrolling in a 2022 FEHB plan next year for yourself and your spouse, you may be surprised to learn that there are some plans in the Federal Employees Health Benefits program that have a cheaper premium for the Family option than for the Self Plus One option.

The Office of Personnel Management has released a listing of the 2022 FEHB plans in which the enrollee share of premiums for the Self Plus One enrollment type is higher than for the Self and Family enrollment option. There are a total of 98.

The Self Plus One option under the FEHB covers the enrollee and one eligible family member which can be either a spouse or child up to the age of 26. The Self and Family enrollment option covers the enrollee and all eligible family members.

2022 FEHB Premiums

The share of 2022 FEHB premiums paid by federal employees and retirees will increase by an average of 3.8% in 2022. The overall average price increase for FEHB premiums will be 2.4% in 2022.

Federal employees and retirees can research all of the available 2022 FEHB plans and premiums on OPM’s website.

This year’s open season will run from Monday, November 8 through Monday, December 13, 2021. Open season is the time for federal employees and retirees to ensure that they have the right health, dental or vision insurance coverage for themselves and their families and make any changes needed to their insurance benefits.

About the Author

Ian Smith is one of the co-founders of FedSmith.com. He has over 20 years of combined experience in media and government services, having worked at two government contracting firms and an online news and web development company prior to his current role at FedSmith.