IA
Independent Health Association — Standard Option
FEHB Not offered after 2026|Independent Health Assoc|HDHP|HMO
Also listed as: Association; Independent Health; Independent Health Assoc
Premium
biweekly · employee paysSelf Only 2026
$164.34biweekly · employee pays
vs 2025+$65.13 +65.6%
Lowest$66.71 (2014)
Highest$164.34 (2026)
Since 2013+103.8%
Self Plus One 2026
$536.05biweekly · employee pays
vs 2025+$174.06 +48.1%
Lowest$238.08 (2016)
Highest$536.05 (2026)
Since 2016+125.2%
Self & Family 2026
$542.55biweekly · employee pays
vs 2025+$185.26 +51.9%
Lowest$220.86 (2014)
Highest$542.55 (2026)
Since 2013+113.8%
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
- 2013Tracked since 2013Earliest plan year in the data set.
- 2014Renamed“Independent Health Association” → “Independent Health”
- 2015Renamed“Independent Health” → “Association”
- 2016Largest decrease: -24.8%Self Only employee share went from $91.10 to $68.54.
- 2016Renamed“Association” → “Independent Health Association”
- 2016Self Plus One enrollment addedOPM introduced the Self Plus One enrollment type government-wide in 2016.
- 2018Renamed“Independent Health Association” → “Independent Health Assoc”
- 2020Renamed“Independent Health Assoc” → “Independent Health”
- 2026Largest increase: +65.6%Self Only employee share went from $99.21 to $164.34.
- 2026Renamed“Independent Health” → “Independent Health Association”
- 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 | $500 | $1,000 | $1,000 |
| Medical account contribution | Not applicable | Not applicable | Not applicable |
| Net deductible | $500 | $1,000 | $1,000 |
| Annual out-of-pocket maximum | $9,100 | $18,200 | $18,200 |
- Type of accountNot Applicable
- Deductible waiver (with Medicare Part A as Primary)Not applicable
- Deductible waiver (with Medicare Part B as Primary)Not applicable
- Deductible waiver (with Medicare Parts A and B as Primary)Not applicable
- Out-of-pocket maximum (with Medicare Parts A and B as Primary)$18,200
- Primary care physician office visit (with Medicare Part B as Primary)$35 Copayment
- Specialty office physician visit (with Medicare Part B as Primary)$50 Copayment
- Inpatient Hospital Services (with Medicare Part A as Primary)20% Coinsurance
- Outpatient hospital services (with Medicare Part A as Primary)20% Coinsurance
- Outpatient physician services (with Medicare Part B as Primary)Member Pays Nothing
- Part B Premium Reimbursement (with Medicare as Primary)Not applicable
- 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)Not applicable
- Primary Care Physician Office Visit (with Medicare Advantage Part C as Primary)Not applicable
- Specialty Physician Office Visit (with Medicare Advantage Part C as Primary)Not applicable
- Inpatient Hospital Services (with Medicare Advantage Part C as Primary)Not applicable
- Outpatient Hospital Facility Services (with Medicare Advantage Part C as Primary)Not applicable
- Outpatient physician services (with Medicare Advantage Part C as Primary)Not applicable
- Part B Premium Reimbursement (with Medicare Advantage Part C as Primary)Not applicable
- Medicare Part D EGWP Prescription Drug Deductible WaiverNot applicable
- Medicare Part D EGWP Prescription Drug Out-of-Pocket MaximumNot applicable
- Medicare Part D EGWP Tier 0Not applicable
- Medicare Part D EGWP Tier 1Not applicable
- Medicare Part D EGWP Tier 2Not applicable
- Medicare Part D EGWP Tier 3Not applicable
- Medicare Part D EGWP Tier 4Not applicable
- Medicare Part D EGWP Tier 5Not applicable
- Medicare Part D EGWP Tier 6Not applicable
- Preventive CareMember Pays Nothing
- Primary Care Office Visit$35 Copayment
- Specialist Office Visit$50 Copayment
- Emergency Care$600 Copayment
- Urgent Care$100 Copayment
- Doctor Costs for Inpatient SurgeryMember Pays Nothing
- Hospital Inpatient Cost Per Admission20% Coinsurance
- Hospital Room Costs20% Coinsurance
- Other Inpatient Hospital Costs20% Coinsurance
- Doctor Costs for Outpatient SurgeryMember Pays Nothing
- Other Outpatient Surgery Costs20% Coinsurance
- Diagnostic Tests or Procedures (e.g., Blood Tests, X-rays, Urinalysis, Ultrasounds)20% Coinsurance
- Diagnostic Tests or Procedures (e.g., CT scans, MRIs, PET Scans)20% Coinsurance
- Enhanced Lab NetworkNot applicable
- Annual Out-of-Pocket Maximum for PrescriptionsNot applicable
- Tier 0Member Pays Nothing
- Tier 1$15 Copayment
- Tier 235% Coinsurance
- Tier 350% Coinsurance
- Tier 435% Coinsurance
- Tier 550% Coinsurance
- Tier 6Not applicable
- Mail Service Pharmacy Benefit (Prescription Drugs)Yes
- Mail Order Pharmacy Restriction (Prescription Drugs)No
- Specialty Pharmacy Restriction (Prescription Drugs)Yes
- Applied Behavioral Analysis (ABA)Member Pays Nothing
- Chiropractic$50 Copayment
- Occupational Therapy20% Coinsurance
- Physical Therapy20% Coinsurance
- Speech Therapy20% Coinsurance
- Professional Services (Mental Health and Substance Use Disorder)Member Pays Nothing
- Inpatient Hospital (Mental Health and Substance Use Disorder Services)20% Coinsurance
- Outpatient Hospital (Mental Health and Substance Use Disorder Services)Member Pays Nothing
- Diagnosis and Treatment (Infertility Services)20% Coinsurance
- Fertility Preservation Procedures (e.g., iatrogenic infertility) (Infertility Services)20% Coinsurance
- Artificial Insemination Services (e.g. ICI, IVI, IUI)20% Coinsurance
- Assisted Reproductive Technology (ART) (e.g., IVF, GIFT, ZIFT) (Infertility Services)20% Coinsurance
- Surgical Procedures20% Coinsurance
- Reconstructive Surgery20% Coinsurance
- Hearing Services$50 Copayment
- Hearing Aids (external)Not Covered
- Prenatal Care, Screening for Gestational Diabetes, Delivery, and Postpartum Care (Maternity Care)Member Pays Nothing
- Hospital Stay--Vaginal Birth, Cesarean Birth (Maternity Care)20% Coinsurance
- Hospice CareMember Pays Nothing
- Home Health Services (Skilled Nursing Care)20% Coinsurance
- Durable Medical Equipment50% Coinsurance
- Outpatient Rehabilitation (Skilled Nursing Care Facility)20% Coinsurance
- 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 ExamsCovered
- Eye Exams for Medical Condition or Non-Surgical TreatmentCovered
- EyeglassesCovered
- Contact LensesCovered
- AcupunctureMember Pays All Charges
- 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 | $2,000 | $4,000 | $4,000 |
| Medical account contribution | Not applicable | Not applicable | Not applicable |
| Net deductible | $2,000 | $4,000 | $4,000 |
| Annual out-of-pocket maximum | $10,000 | $20,000 | $20,000 |
- Type of accountNot Applicable
- Deductible waiver (with Medicare Part A as Primary)Not applicable
- Deductible waiver (with Medicare Part B as Primary)Not applicable
- Deductible waiver (with Medicare Parts A and B as Primary)Not applicable
- Out-of-pocket maximum (with Medicare Parts A and B as Primary)$20,000
- Primary care physician office visit (with Medicare Part B as Primary)40% Coinsurance
- Specialty office physician visit (with Medicare Part B as Primary)40% Coinsurance
- Inpatient Hospital Services (with Medicare Part A as Primary)40% Coinsurance
- Outpatient hospital services (with Medicare Part A as Primary)40% Coinsurance
- Outpatient physician services (with Medicare Part B as Primary)40% Coinsurance
- Part B Premium Reimbursement (with Medicare as Primary)Not applicable
- 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)Not applicable
- Primary Care Physician Office Visit (with Medicare Advantage Part C as Primary)Not applicable
- Specialty Physician Office Visit (with Medicare Advantage Part C as Primary)Not applicable
- Inpatient Hospital Services (with Medicare Advantage Part C as Primary)Not applicable
- Outpatient Hospital Facility Services (with Medicare Advantage Part C as Primary)Not applicable
- Outpatient physician services (with Medicare Advantage Part C as Primary)Not applicable
- Part B Premium Reimbursement (with Medicare Advantage Part C as Primary)Not applicable
- Medicare Part D EGWP Prescription Drug Deductible WaiverNot applicable
- Medicare Part D EGWP Prescription Drug Out-of-Pocket MaximumNot applicable
- Medicare Part D EGWP Tier 0Not applicable
- Medicare Part D EGWP Tier 1Not applicable
- Medicare Part D EGWP Tier 2Not applicable
- Medicare Part D EGWP Tier 3Not applicable
- Medicare Part D EGWP Tier 4Not applicable
- 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$600 Copayment
- Urgent Care$100 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
- 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 6Not applicable
- Mail Service Pharmacy Benefit (Prescription Drugs)Not applicable
- 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)40% Coinsurance
- Surgical Procedures40% Coinsurance
- Reconstructive Surgery40% Coinsurance
- Hearing Services40% Coinsurance
- Hearing Aids (external)Not Covered
- Prenatal Care, Screening for Gestational Diabetes, Delivery, and Postpartum Care (Maternity Care)40% Coinsurance
- Hospital Stay--Vaginal Birth, Cesarean Birth (Maternity Care)40% Coinsurance
- Hospice Care40% Coinsurance
- Home Health Services (Skilled Nursing Care)40% Coinsurance
- Durable Medical Equipment50% Coinsurance
- Outpatient Rehabilitation (Skilled Nursing Care Facility)40% Coinsurance
- Diabetes Education40% Coinsurance
- Nutritional Counseling40% Coinsurance
- Routine Dental Exams and Cleaning for AdultsNot Covered
- Routine Dental Exams and Cleaning for ChildrenNot Covered
- Routine Eye ExamsCovered
- Eye Exams for Medical Condition or Non-Surgical TreatmentCovered
- EyeglassesCovered
- Contact LensesCovered
- AcupunctureMember Pays All Charges
- Chronic Disease Management: Heart DiseaseCovered
- Chronic Disease Management: ObesityCovered
- Chronic Disease Management: HypertensionCovered
- Chronic Disease Management: AsthmaCovered
States
1New York
Counties covered
| State | Area |
|---|---|
| New York | Allegany, Cattaraugus, Chautauqua, Erie, Genesee, Niagara, Orleans, Wyoming |
Service area over time
| Year | States / areas listed |
|---|---|
| 2026 | New York |
| 2025 | New York |
| 2024 | New York |
| 2023 | New York |
| 2022 | New York |
| 2021 | New York |
| 2020 | New York |
| 2019 | New York |
| 2018 | New York |
| 2017 | New York |
| 2016 | New York |
| 2015 | New York |
| 2014 | New York |
| 2013 | New York |