Plan Now for the 2023 Federal Benefits Open Season

October 13, 2022

In just a few weeks, the Federal Benefits Open Season for the 2023 plan year for health insurance under the FEHB Program, dental and vision insurance under FEDVIP, and flexible spending accounts under FSAFEDS, will be held from November 14 through December 12, 2022.

Federal Benefits Open Season gives Federal employees and other eligible individuals the opportunity to review their plans, make changes, and enroll in one of 271 FEHB plan choices for 2023. During this time, annuitants can also re-evaluate their plans and decide if they are optimal coverage. New employees not currently enrolled in the FEHB program will also be able to select coverage during this time.

FEHB Plan Choices:

  • There are 271 plan choices in 2023
    • 18 Fee-for-Service (FFS) plan choices available (excluding HDHPs and CDHPs)
    • 14 nation-wide FFS plan choices open to all
    • 4 FFS plans with availability limited to certain groups (Compass Rose, Foreign Service Benefit Plan, Rural Carriers Benefit Plan, and Panama Canal Area Benefit Plan) (same as last year)
  • 188 HMO plan choices (excluding HDHPs and CDHPs)
  • 37 High Deductible Health Plan choices (HDHP), 2 of which are nation-wide
  • 28 Consumer Driven Health Plan choices (CDHP), 2 of which are nation-wide

New Benefit Offerings:

  • For the 2023 Plan Year, OPM is pleased to deliver enhanced benefit offerings in the following areas across the FEHB Program: Maternal Health, Gender Affirming Care and Services, Obesity, COVID-19, Telehealth, Medical Foods, Assisted Reproductive Technology, and Preventive Services.

FEHB Rates and Changes:

  • The rate increase for enrollees in 2023 will be 8.7% on average
  • On average, those enrolled in “self-only” plans will pay an additional $8.11 per bi-weekly pay period
  • On average, those enrolled in “self plus one” insurance plans will pay $20.34 more per pay period
  • On average, those enrolled in family coverage will pay an average of $20.87 more per pay period in 2023

For more information please see OPM’s Federal Benefits Open Season Fact Sheet. NFFE will provide updates and more information as we approach the start of Benefits Open Season. If you have any questions, please reach out to your National Business Representative.