COMING SOON: Explore benefits and coverage for our postal health plans.
Open Season 2026
Your own Personal Care Account (PCA) helps pay for medical expenses.
Benefits at a glance
The Consumer Driven Option includes a PCA that covers 100% of all eligible expenses. Each year, the Plan adds to your account:
for Self
for Self Plus One and Self and Family
No upfront deductible, coinsurance, or copay until you use up the funds in your PCA.
Dental and vision services are payable out of your PCA.
The plan covers 90% of care received at a Cancer Center of Excellence.
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Consumer Driven Option
$51.70
biweekly premium
Enrollment code23D
Consumer Driven Option
$114.87
biweekly premium
Enrollment code23F
Consumer Driven Option
$129.12
biweekly premium
Enrollment code23E
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.
Consumer Driven Option
$100.21
biweekly premium
Enrollment code23D
Consumer Driven Option
$217.81
biweekly premium
Enrollment code23F
Consumer Driven Option
$237.61
biweekly premium
Enrollment code23E
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.
Consumer Driven Option
$100.21
biweekly premium
Enrollment code23D
Consumer Driven Option
$217.81
biweekly premium
Enrollment code23F
Consumer Driven Option
$237.61
biweekly premium
Enrollment code23E
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.
Consumer Driven Option
$100.21
biweekly premium
Enrollment code23D
Consumer Driven Option
$217.81
biweekly premium
Enrollment code23F
Consumer Driven Option
$237.61
biweekly premium
Enrollment code23E
Important rate information
After completing one year of service, eligible PSEs may enroll in the APWU Health Plan Consumer Driven Option, with USPS contributing up to 75% of the premium. If a PSE chooses another PSHB plan, they are responsible for the full employee and government premium for that plan.
Consumer Driven Option
$217.13
monthly premium
Enrollment code23D
Consumer Driven Option
$471.92
monthly premium
Enrollment code23F
Consumer Driven Option
$514.82
monthly premium
Enrollment code23E
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 APWU Health Plan postal flyers to learn about benefits and coverage details.
Optum Rx provides the Consumer Driven Option pharmacy benefit, with a network of 67,000+ retail pharmacies and Optum Rx Home Delivery.
Save on dental care by using dentists in the Careington Dental Discount Network. Dental coverage is also available by enrolling in the APWU Health Plan Dental Insurance Plan.
Behavioral health
Infertility services
Cancer Centers of
Excellence
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.
Consumer Driven Option
Postal Health Plans
Locate in-network medical doctors and providers.
Consumer Driven Option
Your PCA covers 100% of all eligible expenses. For example, if you go to a network doctor for a $60 visit, the doctor submits your claim and the cost of the visit is deducted from your PCA. You pay nothing.
Plus, the Plan covers 100% of in-network preventive care without reducing the funds in your PCA.
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:
The correct rates will be applied when USPS sets up your payroll deductions.
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