MHBP
MHBP Consumer Option
FEHB Not offered after 2026|MHBP|HDHP|PPO
Also listed as: MHBP - Consumer Option
Premium
biweekly · employee paysSelf Only 2026
$95.99biweekly · employee pays
vs 2025+$11.79 +14.0%
Lowest$62.03 (2013)
Highest$95.99 (2026)
Since 2013+54.7%
Self Plus One 2026
$212.42biweekly · employee pays
vs 2025+$26.09 +14.0%
Lowest$143.51 (2019)
Highest$212.42 (2026)
Since 2016+48.0%
Self & Family 2026
$223.04biweekly · employee pays
vs 2025+$27.39 +14.0%
Lowest$140.56 (2013)
Highest$223.04 (2026)
Since 2013+58.7%
Premium history
SharePeriodRate type
Year by year
follows the chart's share, period and rate-type selection| Year | Self Only | Δ | Self Plus One | Δ | Self & Family | Δ | Listed as |
|---|
Changelog
- 2012Tracked since 2012Earliest plan year in the data set.
- 2016Self Plus One enrollment addedOPM introduced the Self Plus One enrollment type government-wide in 2016.
- 2018Largest decrease: -1.0%Self Only employee share went from $66.16 to $65.50.
- 2020Renamed“MHBP - Consumer Option” → “MHBP Consumer Option”
- 2026Largest increase: +14.0%Self Only employee share went from $84.20 to $95.99.
- 2026Option label changed“HDHP” → “Consumer Option”
- 2027No longer offeredNot present in OPM rate tables for 2027.
Full rate schedule
Plan yearIn-network
2026 plan benefits file| Self Only | Self Plus One | Self & Family | |
|---|---|---|---|
| Annual deductible | $2,000 | $4,000 | $4,000 |
| Medical account contribution | $1,200 | $2,400 | $2,400 |
| Net deductible | $800 | $1,600 | $1,600 |
| Annual out-of-pocket maximum | $6,500 | $13,000 | $13,000 |
- Type of accountHealth Savings Account
- Deductible waiver (with Medicare Part A as Primary)No
- Deductible waiver (with Medicare Part B as Primary)No
- Deductible waiver (with Medicare Parts A and B as Primary)Deductible waived
- Out-of-pocket maximum (with Medicare Parts A and B as Primary)$6,500
- Primary care physician office visit (with Medicare Part B as Primary)Member Pays Nothing
- Specialty office physician visit (with Medicare Part B as Primary)Member Pays Nothing
- Inpatient Hospital Services (with Medicare Part A as Primary)Member Pays Nothing
- Outpatient hospital services (with Medicare Part A as Primary)Member Pays Nothing
- Outpatient physician services (with Medicare Part B as Primary)Member Pays Nothing
- Part B Premium Reimbursement (with Medicare as Primary)No
- Requirement for Part B ReimbursementNot applicable
- Deductible Waiver (with Medicare Advantage Part C as Primary)Not applicable
- Out-of-Pocket Maximum (with Medicare Advantage Part C as Primary)$6,500
- Primary Care Physician Office Visit (with Medicare Advantage Part C as Primary)$15 Copayment
- Specialty Physician Office Visit (with Medicare Advantage Part C as Primary)$15 Copayment
- Inpatient Hospital Services (with Medicare Advantage Part C as Primary)$75 Copayment
- Outpatient Hospital Facility Services (with Medicare Advantage Part C as Primary)$75 Copayment
- Outpatient physician services (with Medicare Advantage Part C as Primary)$15 Copayment
- Part B Premium Reimbursement (with Medicare Advantage Part C as Primary)No
- Medicare Part D EGWP Prescription Drug Deductible WaiverDeductible waived
- Medicare Part D EGWP Prescription Drug Out-of-Pocket Maximum$2,000
- Medicare Part D EGWP Tier 0Member Pays Nothing
- Medicare Part D EGWP Tier 1$8 Copayment
- Medicare Part D EGWP Tier 2$45 Copayment
- Medicare Part D EGWP Tier 3$70 Copayment
- Medicare Part D EGWP Tier 425% Coinsurance
- Medicare Part D EGWP Tier 5Not applicable
- Medicare Part D EGWP Tier 6Not applicable
- Preventive CareMember Pays Nothing
- Primary Care Office Visit$15 Copayment
- Specialist Office Visit$15 Copayment
- Emergency Care$150 Copayment
- Urgent Care$50 Copayment
- Doctor Costs for Inpatient SurgeryMember Pays Nothing
- Hospital Inpatient Cost Per Admission$75 Copayment
- Hospital Room CostsMember Pays Nothing
- Other Inpatient Hospital CostsMember Pays Nothing
- Doctor Costs for Outpatient SurgeryMember Pays Nothing
- Other Outpatient Surgery Costs$150 Copayment
- Diagnostic Tests or Procedures (e.g., Blood Tests, X-rays, Urinalysis, Ultrasounds)$15 Copayment
- Diagnostic Tests or Procedures (e.g., CT scans, MRIs, PET Scans)$15 Copayment
- Enhanced Lab NetworkMember Pays Nothing
- Annual Out-of-Pocket Maximum for PrescriptionsNot applicable
- Tier 0Member Pays Nothing
- Tier 1$10 Copayment
- Tier 230% Coinsurance
- Tier 350% Coinsurance
- Tier 430% Coinsurance
- Tier 530% Coinsurance
- Tier 630% Coinsurance
- Mail Service Pharmacy Benefit (Prescription Drugs)Yes
- Mail Order Pharmacy Restriction (Prescription Drugs)Yes
- Specialty Pharmacy Restriction (Prescription Drugs)Yes
- Applied Behavioral Analysis (ABA)$15 Copayment
- Chiropractic$15 Copayment
- Occupational Therapy$15 Copayment
- Physical Therapy$15 Copayment
- Speech Therapy$15 Copayment
- Professional Services (Mental Health and Substance Use Disorder)$15 Copayment
- Inpatient Hospital (Mental Health and Substance Use Disorder Services)$75 Copayment
- Outpatient Hospital (Mental Health and Substance Use Disorder Services)$15 Copayment
- Diagnosis and Treatment (Infertility Services)$15 Copayment
- Fertility Preservation Procedures (e.g., iatrogenic infertility) (Infertility Services)$15 Copayment
- Artificial Insemination Services (e.g. ICI, IVI, IUI)$15 Copayment
- Assisted Reproductive Technology (ART) (e.g., IVF, GIFT, ZIFT) (Infertility Services)Member Pays All Charges
- Surgical ProceduresMember Pays Nothing
- Reconstructive SurgeryMember Pays Nothing
- Hearing Services$15 Copayment
- Hearing Aids (external)Covered
- Prenatal Care, Screening for Gestational Diabetes, Delivery, and Postpartum Care (Maternity Care)Member Pays Nothing
- Hospital Stay--Vaginal Birth, Cesarean Birth (Maternity Care)Member Pays Nothing
- Hospice Care$5 Copayment
- Home Health Services (Skilled Nursing Care)$15 Copayment
- Durable Medical EquipmentMember Pays Nothing
- Outpatient Rehabilitation (Skilled Nursing Care Facility)$75 Copayment
- Diabetes EducationMember Pays Nothing
- Nutritional CounselingMember Pays Nothing
- Routine Dental Exams and Cleaning for AdultsNot Covered
- Routine Dental Exams and Cleaning for ChildrenNot Covered
- Routine Eye ExamsNot Covered
- Eye Exams for Medical Condition or Non-Surgical TreatmentCovered
- EyeglassesCovered
- Contact LensesCovered
- Acupuncture$15 Copayment
- Chronic Disease Management: Heart DiseaseCovered
- Chronic Disease Management: ObesityCovered
- Chronic Disease Management: HypertensionCovered
- Chronic Disease Management: AsthmaCovered
Out-of-network
2026 plan benefits file| Self Only | Self Plus One | Self & Family | |
|---|---|---|---|
| Annual deductible | $3,000 | $6,000 | $6,000 |
| Medical account contribution | $1,200 | $2,400 | $2,400 |
| Net deductible | $1,800 | $3,600 | $3,600 |
| Annual out-of-pocket maximum | $10,000 | $20,000 | $20,000 |
- Type of accountHealth Savings Account
- Deductible waiver (with Medicare Part A as Primary)No
- Deductible waiver (with Medicare Part B as Primary)No
- Deductible waiver (with Medicare Parts A and B as Primary)Deductible waived
- Out-of-pocket maximum (with Medicare Parts A and B as Primary)$10,000
- Primary care physician office visit (with Medicare Part B as Primary)Member Pays Nothing
- Specialty office physician visit (with Medicare Part B as Primary)Member Pays Nothing
- Inpatient Hospital Services (with Medicare Part A as Primary)Member Pays Nothing
- Outpatient hospital services (with Medicare Part A as Primary)Member Pays Nothing
- Outpatient physician services (with Medicare Part B as Primary)Member Pays Nothing
- Part B Premium Reimbursement (with Medicare as Primary)No
- Requirement for Part B ReimbursementNot applicable
- Deductible Waiver (with Medicare Advantage Part C as Primary)Not applicable
- Out-of-Pocket Maximum (with Medicare Advantage Part C as Primary)$10,000
- Primary Care Physician Office Visit (with Medicare Advantage Part C as Primary)40% Coinsurance
- Specialty Physician Office Visit (with Medicare Advantage Part C as Primary)40% Coinsurance
- Inpatient Hospital Services (with Medicare Advantage Part C as Primary)40% Coinsurance
- Outpatient Hospital Facility Services (with Medicare Advantage Part C as Primary)40% Coinsurance
- Outpatient physician services (with Medicare Advantage Part C as Primary)40% Coinsurance
- Part B Premium Reimbursement (with Medicare Advantage Part C as Primary)No
- Medicare Part D EGWP Prescription Drug Deductible WaiverDeductible waived
- Medicare Part D EGWP Prescription Drug Out-of-Pocket Maximum$2,000
- Medicare Part D EGWP Tier 0$0 Copayment
- Medicare Part D EGWP Tier 1$8 Copayment
- Medicare Part D EGWP Tier 2$45 Copayment
- Medicare Part D EGWP Tier 3$70 Copayment
- Medicare Part D EGWP Tier 425% Coinsurance
- Medicare Part D EGWP Tier 5Not applicable
- Medicare Part D EGWP Tier 6Not applicable
- Preventive Care40% Coinsurance
- Primary Care Office Visit40% Coinsurance
- Specialist Office Visit40% Coinsurance
- Emergency Care$150 Copayment
- Urgent Care$50 Copayment
- Doctor Costs for Inpatient Surgery40% Coinsurance
- Hospital Inpatient Cost Per Admission40% Coinsurance
- Hospital Room Costs40% Coinsurance
- Other Inpatient Hospital Costs40% Coinsurance
- Doctor Costs for Outpatient Surgery40% Coinsurance
- Other Outpatient Surgery Costs40% Coinsurance
- Diagnostic Tests or Procedures (e.g., Blood Tests, X-rays, Urinalysis, Ultrasounds)40% Coinsurance
- Diagnostic Tests or Procedures (e.g., CT scans, MRIs, PET Scans)40% Coinsurance
- Enhanced Lab NetworkNot applicable
- Annual Out-of-Pocket Maximum for PrescriptionsNot applicable
- Tier 0Member Pays All Charges
- Tier 1Member Pays All Charges
- Tier 2Member Pays All Charges
- Tier 3Member Pays All Charges
- Tier 4Member Pays All Charges
- Tier 5Member Pays All Charges
- Tier 6Member Pays All Charges
- Mail Service Pharmacy Benefit (Prescription Drugs)No
- Mail Order Pharmacy Restriction (Prescription Drugs)Not applicable
- Specialty Pharmacy Restriction (Prescription Drugs)Not applicable
- Applied Behavioral Analysis (ABA)40% Coinsurance
- Chiropractic40% Coinsurance
- Occupational Therapy40% Coinsurance
- Physical Therapy40% Coinsurance
- Speech Therapy40% Coinsurance
- Professional Services (Mental Health and Substance Use Disorder)40% Coinsurance
- Inpatient Hospital (Mental Health and Substance Use Disorder Services)40% Coinsurance
- Outpatient Hospital (Mental Health and Substance Use Disorder Services)40% Coinsurance
- Diagnosis and Treatment (Infertility Services)40% Coinsurance
- Fertility Preservation Procedures (e.g., iatrogenic infertility) (Infertility Services)40% Coinsurance
- Artificial Insemination Services (e.g. ICI, IVI, IUI)40% Coinsurance
- Assisted Reproductive Technology (ART) (e.g., IVF, GIFT, ZIFT) (Infertility Services)Member Pays All Charges
- Surgical Procedures40% Coinsurance
- Reconstructive Surgery40% Coinsurance
- Hearing Services40% Coinsurance
- Hearing Aids (external)Covered
- Prenatal Care, Screening for Gestational Diabetes, Delivery, and Postpartum Care (Maternity Care)40% Coinsurance
- Hospital Stay--Vaginal Birth, Cesarean Birth (Maternity Care)$40 Copayment
- Hospice Care10% Coinsurance
- Home Health Services (Skilled Nursing Care)40% Coinsurance
- Durable Medical Equipment40% Coinsurance
- Outpatient Rehabilitation (Skilled Nursing Care Facility)40% Coinsurance
- Diabetes EducationMember Pays All Charges
- Nutritional Counseling40% Coinsurance
- Routine Dental Exams and Cleaning for AdultsNot Covered
- Routine Dental Exams and Cleaning for ChildrenNot Covered
- Routine Eye ExamsNot Covered
- Eye Exams for Medical Condition or Non-Surgical TreatmentCovered
- EyeglassesCovered
- Contact LensesCovered
- Acupuncture40% Coinsurance
- Chronic Disease Management: Heart DiseaseCovered
- Chronic Disease Management: ObesityCovered
- Chronic Disease Management: HypertensionCovered
- Chronic Disease Management: AsthmaCovered
Offered nationwide.
Service area description
| State | Description |
|---|---|
| Nationwide | Nationwide |
Service area over time
| Year | States / areas listed |
|---|---|
| 2026 | Nationwide |
| 2025 | Nationwide |
| 2024 | Nationwide |
| 2023 | Nationwide |
| 2022 | Nationwide |
| 2021 | Nationwide |
| 2020 | Nationwide |
| 2019 | Nationwide |
| 2018 | Nationwide |
| 2017 | Nationwide |
| 2016 | Nationwide |