What is the best federal government health insurance plan?


Editorial team Published on

The Blue Cross and Blue Shield Service Benefit Plan (FEP) is widely considered the best and most popular federal health insurance, with options like FEP Blue Basic offering no deductible and predictable copays.

Because the "best" plan depends on your medical needs, location, and budget, other top-rated Federal Employees Health Benefits (FEHB) options include:

  • GEHA (Government Employees Health Association): Excellent high-option and high-deductible choices with lower premiums and robust wellness rewards.
  • MHBP (Mail Handlers Benefit Plan): Highly rated for affordable standard and value choices backed by the broad Aetna network.
  • NALC High Option: Noted for very low prescription drug copays and a strong risk pool.

How to Choose the Right Plan

  • Low Medical Usage: Consider a High Deductible Health Plan (HDHP) like GEHA HDHP to save on monthly premiums and build tax-free funds via a Health Savings Account (HSA).
  • High Medical Usage: Choose a comprehensive option with higher premiums but lower out-of-pocket maximums to cap your maximum financial risk.
  • Compare Officially: Use the official OPM Healthcare Compare Tool to review precise rates and local availability.