Conditionally Approved List of Postal Service Health Benefits Program Carriers Released

A listing of conditionally approved Postal Service Health Benefits Program carriers is now available.

The Office of Personnel Management (OPM) has released a list of conditionally approved carriers for the new Postal Service Health Benefits (PSHB) program debuting in 2025.

32 carriers have received OPM’s approval but are contingent upon successful benefits and rate negotiations.

PSHB carrier applicants represent a mix of fee-for-service plans and health maintenance organizations. Their service areas vary from nationwide to specific regions. Federal employees will recognize the names since they all have been providing insurance through the Federal Employees Health Benefits (FEHB) Program for years.

Conditionally Approved Postal Service Health Benefits (PSHB) Program Carriers

Carrier NamePlan Type
Aetna: HDHP, Aetna Direct, Aetna Advantage  Health Maintenance Organization 
Aetna: Open Access HMO and Aetna Saver   Health Maintenance Organization 
Aetna: CDHP and Value      Health Maintenance Organization 
American Postal Workers Union (APWU) Health Plan Fee-for-Service  
Blue Cross Blue Shield (BCBS) Service Benefit Plan Fee-for-Service  
Capital Health Plan      Health Maintenance Organization 
CareFirst BlueChoice      Health Maintenance Organization 
Government Employees Health Association (GEHA) Employee Organization   Fee-for-Service  
Government Employees Health Association (GEHA) Indemnity Benefit Plan Fee-for-Service  
Health Alliance Plan of Michigan     Health Maintenance Organization 
HealthPartners Health Maintenance Organization 
Hawaii Medical Service Association (HMSA) Health Maintenance Organization 
Independent Health Association, Inc. Health Maintenance Organization 
Kaiser Permanente – Colorado      Health Maintenance Organization 
Kaiser Permanente – Fresno California     Health Maintenance Organization 
Kaiser Permanente – Hawaii      Health Maintenance Organization 
Kaiser Permanente – Northern California     Health Maintenance Organization 
Kaiser Permanente – Northwest      Health Maintenance Organization 
Kaiser Permanente – Southern California     Health Maintenance Organization 
Kaiser Permanente – Washington Core  Health Maintenance Organization 
Kaiser Permanente – Washington Options Federal Health Maintenance Organization 
Kaiser Permanente – Georgia      Health Maintenance Organization 
Kaiser Permanente – Mid-Atlantic     Health Maintenance Organization 
Mail Handlers Benefit Plan   Fee-for-Service 
Medical Mutual of Ohio         Health Maintenance Organization 
National Association of Letter Carriers (NALC) Health Benefit Plan     Fee-for-Service  
Rural Carrier Benefit Plan   Fee-for-Service 
TakeCare Health Maintenance Organization 
Triple-S Salud      Health Maintenance Organization 
UnitedHealthcare Insurance Company, Inc. – Choice Plus Primary   Health Maintenance Organization 
UnitedHealthcare Insurance Company, Inc. – Choice Plus Primary WF    Health Maintenance Organization 
UPMC Health Plan       Health Maintenance Organization 

“The Postal Service Health Benefits Program will offer robust health benefits for Postal employees and their families,” said OPM Director Kiran Ahuja. “I want to thank the carriers for their interest in supporting the health care needs of our federal workforce. This program improvement is only possible thanks to carrier participation and the tireless work of USPS and our OPM team.”

What is the Postal Service Health Benefits (PSHB) Program?

OPM is currently working on establishing the PSHB program as required by the Postal Service Reform Act that became law last year.

The PSHB program will include health benefits plans available only to United States Postal Service (USPS) employees, Postal Service retirees (annuitants), and their eligible family members. 

Starting January 1, 2025, these individuals will have to get their federal health benefits coverage from the PSHB program because eligibility for enrollment or coverage under the Federal Employees Health Benefits (FEHB) program will end on December 31, 2024.

According to OPM, the PSHB Program will cover roughly 20 percent of the total FEHB population.

Postal Service members will be able to view coverage details and make changes during the annual 2024 Open Season. Most Postal Service employees and annuitants will be offered 2025 PSHB plans equivalent to their 2024 FEHB plan options.

Per the Postal Service Reform Act, if an enrollee’s FEHB carrier is not participating in PSHB, that individual will be automatically enrolled in the lowest-cost, nationwide PSHB plan that is not a high-deductible health plan and does not charge an association or membership fee. All such automatic enrollments will be a PSHB plan of the same enrollment type (self only, self and family, or self plus one) as the 2024 FEHB plan.

OPM has a list of frequently asked questions about the Postal Service Health Benefits Program on its website.

About the Author

Ian Smith is one of the co-founders of 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.