Health Insurance in the Federal Government

The United States Office of Personnel Management provides federal government employees with optional health care benefits coverage. Government workers may select from a menu of optional coverage plans, such as general health care coverage and vision coverage.
  1. Significance

    • The Federal Health Plan, known as FEHB provides general health care to employees. Coverage is optional and deducted through pre-tax dollars. The federal government employer typically subsidizes a partial amount of the cost.

    Features

    • The federal government's dental and vision plan allows government employees optional coverage for enrolling with payment through pre-tax dollars. It is typically not an employer-subsidized coverage plan, so the employee is responsible for paying the full premium amount.

    Identification

    • In general, there is no pre-existing illness exception for any of the plans.

    Benefits

    • Employees also are offered pre-tax savings through the federal health flexible care program. This program allows federal government employees to save money with pre-tax allowances to cover qualified health care costs.

    Considerations

    • The federal government also allows employees to contribute to palliative care, nursing facilities and home health care for themselves or their dependents, through a long-term health program.

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