COMING SOON: Explore benefits and coverage for our postal health plans.
Open Season 2026
Choose a health plan that offers low copays, affordable deductibles, and a nationwide UnitedHealthcare network.
With low copays and low deductibles, the High Option is a premier plan in the Postal Service Health Benefits (PSHB) Program.
$450 in-network deductible for Self or $800 in-network deductible for Self Plus One or Self & Family.
$25 copay for office visits, including specialists.
$30 copay for all urgent care centers.
$10 copay for retail non-specialty Tier 1 drugs.
High Option
$142.97
biweekly premium
Enrollment code23A
High Option
$279.13
biweekly premium
Enrollment code23C
High Option
$358.28
biweekly premium
Enrollment code23B
Important rate information
Special biweekly Consumer Driven Option rates are available to eligible career employees in an APWU bargaining-unit position who have been enrolled in PSHB for more than one year. These rates apply only to the Consumer Driven Option and are tied to the applicable PSHB enrollment requirement, not simply to length of employment with USPS.
High Option
$142.97
biweekly premium
Enrollment code23A
High Option
$279.13
biweekly premium
Enrollment code23C
High Option
$358.28
biweekly premium
Enrollment code23B
Important rate information
These rates apply to eligible career employees in an APWU bargaining-unit position who have been enrolled in PSHB for one year or less. “First year” refers to time enrolled in PSHB, not length of employment with USPS.
High Option
$142.97
biwekly premium
Enrollment code23A
High Option
$279.13
biweekly premium
Enrollment code23C
High Option
$358.28
biweekly premium
Enrollment code23B
Important rate information
These rates apply to eligible postal employees in management, non-bargaining positions, or other Postal crafts. APWU Health Plan enrollment requirements still apply.
High Option
$309.77
monthly premium
Enrollment code23A
High Option
$604.78
monthly premium
Enrollment code23C
High Option
$776.27
monthly premium
Enrollment code23B
Important rate information
Retiree premiums are shown as monthly rates. Medicare-eligible retirees may have additional coverage through the Plan, including Medicare Advantage for eligible High Option members and Medicare Part D prescription drug coverage.
Download the APWU Health Plan postal flyer to learn about benefits and coverage details.
Find doctors and providers in our national network.
Locate behavioral health providers.
The High Option prescription drug plan includes access to 67,000+ pharmacies in the Optum Rx network, along with home delivery options in all 50 states.
High Option members receive dental benefits as part of the medical plan, but you can get additional coverage by enrolling in the APWU Health Plan Dental Insurance Plan.
Behavioral health
Infertility services
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Postal Health Plans
COMING SOON: Explore benefits and coverage for our postal health plans.
High Option
Consumer Driven Option
Postal Health Plans
View a summary of benefits and coverage (SBC) for your plan.
High Option
All Health Plans
Locate in-network medical doctors and providers.
High Option
DEFINITION
Receive a $25 wellness incentive added to your PCA for each family member who completes a yearly checkup or recommended screening.
DEFINITION
15% coinsurance: The percentage of costs you pay after you pay the deductible.
DEFINITION
A Copay is a fixed amount you pay for a covered healthcare service, usually at the time you receive the service.
DEFINITION
Plan allowance is the maximum amount a plan will pay for a covered healthcare service