Compare premiums for PSHB Program health plans

APWU Health Plan provides comprehensive, affordable health benefits for postal workers, families, and retirees covered under the Postal Service Health Benefits (PSHB) Program.

How much does APWU Health Plan cost?

As a member of APWU Health Plan, the premium is the amount you pay for your High Option or Consumer Driven Option plan on a biweekly or monthly basis. In addition to your premium, you may have other costs, including a deductible, copayments, and coinsurance.

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PSHB enrollment code Biweekly Monthly / Retiree
Self - 23A $107.15 $232.16
Self + One - 23C $216.18 $468.38
Self & Family - 23B $275.94 $597.87

Low rates with your own PCA

APWU special rates (biweekly)

PSHB Enrollment code  PSE & APWU career < 1 year in FEHB/PSHB APWU career > 1 year in FEHB/PSHB
Self - 23D $91.10 $30.16
Self + One - 23F $198.00 $70.60
Self & Family - 23E $216.01 $82.48

Important Notice: The PSHB Enrollment system will not show the APWU contractually negotiated rates for the Consumer Driven Option. If you are eligible, your 2026 plan year rates are as follows: $30.16 for Self Only, $70.60 for Self Plus One, and $82.48 for Self & Family. The correct rates will be applied when USPS sets up your payroll deductions.

Premiums (other crafts & management)

PSHB enrollment code Biweekly Monthly / Retiree
Self - 23D $91.10 $197.39
Self + One - 23F $198.00 $429.01
Self & Family - 23E $216.01 $468.02

Need help finding a health plan that’s right for you?

Download and access Health Plan resources

2026 PSHB High Option Summary of Benefits and Coverage (SBC)

2026 PSHB Consumer Driven Option Summary of Benefits and Coverage (SBC)

2026 Postal Brochure

Review the 2026 APWU Health Plan PSHB brochure detailing postal employee benefits.

High Option Members: See clarification for Section 5(c)- Services provided by a hospital or other facility, and ambulance services. 

For most services in this section, a deductible is not required.  The calendar year deductible only applies to outpatient hospital or ambulatory surgical center.  If you have additional questions or would like to verify your benefits, please contact the Health Plan at 1-800-222-2798.  

Postal Health Plan online resources

Special Rates During Open Season Enrollment

Important Notice:
The PSHB Enrollment system will not show the APWU contractually negotiated rates for the Consumer Driven Option.

If you are eligible, your biweekly 2026 plan year rates are as follows:

  • $30.16 for Self Only
  • $70.60 for Self Plus One
  • $82.48 for Self & Family

The correct rates will be applied when USPS sets up your payroll deductions.