{"id":12632,"date":"2020-10-14T17:00:00","date_gmt":"2020-10-14T17:00:00","guid":{"rendered":"https:\/\/staging.sightlinemg.com\/federaltimes\/uncategorized\/2020\/10\/14\/2021-federal-health-insurance-rates-get-a-moderate-increase\/"},"modified":"2026-08-08T04:38:13","modified_gmt":"2026-08-08T04:38:13","slug":"2021-federal-health-insurance-rates-get-a-moderate-increase","status":"publish","type":"post","link":"https:\/\/staging.sightlinemg.com\/federaltimes\/management\/pay-benefits\/2020\/10\/14\/2021-federal-health-insurance-rates-get-a-moderate-increase\/","title":{"rendered":"2021 federal health insurance rates get a moderate increase"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Health insurance plans under the Federal Employee Health Benefits Program will see an average 3.6 percent cost increase in 2021, a rate that is lower than the <a href=\"https:\/\/www.federaltimes.com\/management\/pay-benefits\/2019\/10\/02\/2020-federal-health-benefit-costs-return-to-a-normal-increase\/\" target=_blank>2020 plan cost increase<\/a> but more than double the <a href=\"https:\/\/www.federaltimes.com\/management\/pay-benefits\/2018\/09\/26\/federal-health-insurance-to-see-lowest-rate-increase-in-23-years\/\" target=_blank>record low rise in 2019<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That cost increase is likely to be split into an average 3 percent uptick for the government\u2019s share of the price and a 4.9 percent increase for employees, though such numbers are not set in stone.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cThese numbers are based on premiums for next year along with what plans people are enrolled with right now. It\u2019s well known that during the open season people do choose different plans and coverage, based on benefits or premiums or whatever is important to them, and the end result is often that the overall premium increase is less than what we\u2019re announcing today,\u201d said Laurie Bodenheimer, acting director for healthcare and insurance at OPM, said in an Oct. 14 press call.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cOPM encourages everyone to ensure that they have the right health, dental, vision coverage for themselves and their families, and we would be remiss not to encourage people to consider the money that can be saved on out of pocket medical and dependent care expenses for the year through the FSAFEDS program.\u201d<\/p>\n\n\n\t<aside class=\"smg-interstitial-link wp-block-smg-interstitial-link\">\n\t\t<a href=\"https:\/\/staging.sightlinemg.com\/federaltimes\/management\/2020\/10\/14\/how-feds-will-receive-covid-care-under-2021-health-plans\/\" class=\"smg-interstitial-link__inner\">\n\t\t\t\t\t\t\t<div class=\"smg-interstitial-link__media\">\n\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"197\" src=\"https:\/\/staging.sightlinemg.com\/wp-content\/uploads\/2026\/08\/GettyImages-1216296625.jpg.jpg?w=300\" class=\"smg-interstitial-link__image wp-post-image\" alt=\"\" \/>\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"smg-interstitial-link__content\">\n\t\t\t\t<span class=\"smg-interstitial-link__kicker\">Related<\/span>\n\t\t\t\t<h3 class=\"smg-interstitial-link__title\">How feds will receive COVID care under 2021 health plans<\/h3>\n\t\t\t\t\t\t\t\t\t<p class=\"smg-interstitial-link__excerpt\">Federal health insurance providers have been instructed to make certain changes to help feds stay safe from the COVID-19 pandemic.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/a>\n\t<\/aside>\n\t\n\n\n<p class=\"wp-block-paragraph\">The cost increase comes in a year when feds still face uncertainty about a potential pay raise in 2021, as Congress <a href=\"https:\/\/www.federaltimes.com\/management\/budget\/2020\/07\/08\/feds-pay-increase-left-out-of-government-funding-bill\/\" target=_blank>did not address the raise<\/a> in its late-September continuing appropriations bill, and President Donald Trump said in February of this year that he <a href=\"https:\/\/www.federaltimes.com\/management\/budget\/2020\/02\/10\/white-house-budget-doubles-down-on-reorgs-and-benefit-cuts\/\" target=_blank>planned to enact a one percent increase<\/a>. Congress could still mandate a different pay raise in funding legislation that must pass by Dec. 11 of this year.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Retired feds also saw a <a href=\"https:\/\/www.federaltimes.com\/management\/pay-benefits\/2020\/10\/13\/retiree-cost-of-living-adjustments-sink-for-the-second-year-in-a-row\/\" target=_blank>smaller increase in Social Security cost of living adjustments<\/a> for 2021 than the year before, and that disparity along with smaller pay bumps has caused federal employee groups to criticize the increasing healthcare costs in relation to those income increases.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cThe average increase in health insurance premiums announced by OPM today means less take-home pay for federal workers, many of whom will also spend the first four months of 2021 paying double Social Security taxes because of the mandated deferral of those taxes this year. Retiree budgets will also be stretched by this jump in premiums during a time when health concerns have dramatically increased for older Americans and others who are more vulnerable to the coronavirus,\u201d National Treasury Employees Union National President Tony Reardon said in a statement.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But according to Bodenheimer, the healthcare cost increase could have been far higher, as most large private companies estimated that their costs would increase by four to 10 percent and the COVID pandemic may have had the unexpected outcome of reducing costs, due to many people cancelling or delaying medical appointments and procedures during the pandemic.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For 2021, there will be 276 plan choices available, with 18 of those plans open to all employees, no matter their location. Borchures for those plans will be available on the OPM site in early November.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The 2021 open season will also feature an updated plan comparison tool on the OPM website.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cWe have enhanced our plan comparison tool this year with a new look and feel, and with a couple of new features, which includes medical account displays for high deductible health plans and consumer-driven health plans \u2014 otherwise known as HDHPs and CDHPs \u2014 which can help enrollees shop for their healthcare coverage,\u201d Bodenheimer said.<\/p>\n\n\n\t<aside class=\"smg-interstitial-link wp-block-smg-interstitial-link\">\n\t\t<a href=\"https:\/\/staging.sightlinemg.com\/federaltimes\/management\/pay-benefits\/2020\/10\/14\/virtual-healthcare-gets-an-increased-focus-for-2021\/\" class=\"smg-interstitial-link__inner\">\n\t\t\t\t\t\t\t<div class=\"smg-interstitial-link__media\">\n\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"200\" src=\"https:\/\/staging.sightlinemg.com\/wp-content\/uploads\/2026\/08\/635786188000584086-fed-health-it-strategic-planjpg.jpg?w=300\" class=\"smg-interstitial-link__image wp-post-image\" alt=\"\" \/>\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"smg-interstitial-link__content\">\n\t\t\t\t<span class=\"smg-interstitial-link__kicker\">Related<\/span>\n\t\t\t\t<h3 class=\"smg-interstitial-link__title\">Virtual healthcare gets an increased focus for 2021<\/h3>\n\t\t\t\t\t\t\t\t\t<p class=\"smg-interstitial-link__excerpt\">Telemedicine options were one of the key factors in Office of Personnel Management negotiations with federal health insurance providers.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/a>\n\t<\/aside>\n\t\n\n\n<p class=\"wp-block-paragraph\">Insurance providers have also been instructed to improve their transparency tools, both to help employees make informed decisions when selecting a plan and to cut back on surprise billing.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cBeginning in 2021, all plans are required to offer robust cost and quality transparency tools, and this is the culmination of a two-year effort to have carriers meet that goal,\u201d said Bodenheimer.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cWe asked carriers that no later than calendar year 2022 \u2014 so about 15 months from now \u2014 they will be expected to display the network contracting status of selected specialties of physicians, physician groups or categories of services that provide emergent or urgent care services in a hospital setting. These changes have been enacted to help eliminate surprise billing and will certainly help enrollees and consumers to determine whether a provider is in-network or out-of-network to aid in reducing episodes of surprise billing. We understand that people who need urgent care aren\u2019t often thinking about whether their provider is in network, but we would encourage enrollees as part of their planning to look at the hospital that they would most frequently, possibly, utilize based on the physicians that they see.\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Federal employees will <a href=\"https:\/\/www.federaltimes.com\/management\/pay-benefits\/2020\/08\/11\/more-dental-and-vision-insurance-plans-to-be-offered-for-2021-open-season\/\" target=_blank>see more dental and visions plans<\/a> available in 2021 \u2014 a total of 12 dental and 5 vision options \u2014 under a new seven year contract for the Federal Employees Dental and Vision Insurance Program.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cAll of the carriers who are part of the current FEDVIP contract will carry over into the new contract period, and those carriers from the prior contract period \u2014 or the current one that\u2019s ending in a few months \u2014 they did not increase their overall premiums, despite many changes and enhancements to this new FEDVIP contract. The result is the vast majority of current FEDVIP enrollees will experience little or no change in premiums, even with all of those enhancements,\u201d said Bodenheimer.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cHowever, FEDVIP members should not assume that their rating region and premium rates are the same in 2021.\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Federal annuitants are also especially encouraged to evaluate their FEHB plan choices, as seven new plan options offer reimbursement for Medicare Part B, in addition to the existing 18 plans that do so.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cThere are FEHB plan choices that offer some type of Medicare Part B incentive, either through copay, coinsurance or deductible waivers or Part B premium reimbursements. Our plan comparison tool makes this information more readily available to enrollees and identifies those plan choices that offer a Medicare Part B incentive,\u201d said Bodenheimer.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cThere are several plans that do offer close to full reimbursement of Part B premiums. I would encourage people to look at the plan comparison tool with that as filters.\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Feds are also encouraged to take part in the FSAFEDS program, which allows employees to set aside pre-tax earnings for later use in medical payments. In 2021, feds will be allowed to carry over $550 in unused amounts into the next year.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Open season for 2021 FEHB coverage will run from Nov. 9 to Dec. 14 this year.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The average costs for health insurance under the Federal Employee Health Benefits Program will likely go up less in 2021 than they did in 2020.<\/p>\n","protected":false},"author":7,"featured_media":37870,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_meta-robots-nofollow":"","_yoast_wpseo_canonical":"","_acf":"","_yoast_wpseo_primary_category":69,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","_smg_distribution_targets":[]},"categories":[106,31,15,33,90,69,28],"tags":[],"coauthors":[2853],"class_list":["post-12632","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-daily-brief","category-home","category-management","category-newsletters","category-open-season","category-pay-benefits","category-smr"],"acf":{"subheadline":"","legacy_arc_id":"ZH4RRK7BMZAGXFBPW5IVIQ5CMA","arc_canonical_url":"\/management\/pay-benefits\/2020\/10\/14\/2021-federal-health-insurance-rates-get-a-moderate-increase\/","remove_feature_photo":false,"is_sponsored":false,"subtype":"","redirect_url":"","disable_inline_ads":false,"native_logo_pretext":"Presented By:"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.0 (Yoast SEO v28.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>2021 federal health insurance rates get a moderate increase - Federal Times<\/title>\n<meta name=\"description\" content=\"The average costs for health insurance under the Federal Employee Health Benefits Program will likely go up less in 2021 than they did in 2020.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/staging.sightlinemg.com\/federaltimes\/management\/pay-benefits\/2020\/10\/14\/2021-federal-health-insurance-rates-get-a-moderate-increase\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"2021 federal health insurance rates get a moderate increase\" \/>\n<meta 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