Automatic Enrollment
Postal Service employees or annuitants enrolled in an FEHB plan as of December 31, 2024, who do not make an enrollment action during the transitional open season under § 890.1605(b), will be automatically enrolled in the PSHB Program as follows:
- Into the Same Plan:
- Equivalent Option: If the carrier offers the same plan in both FEHB and PSHB for 2025 with at least one option that has equivalent benefits and cost-sharing in the same geographic area, individuals will be enrolled in the PSHB option that matches their 2024 FEHB option in benefits and cost-sharing.
- No Equivalent Option: If no equivalent PSHB option exists, individuals will be enrolled in the lowest-cost PSHB option for 2025 that is not a High Deductible Health Plan (HDHP) and does not require an association or membership fee. If the only available option is an HDHP, they will be enrolled in that HDHP.
- Into a 2025 PSHB Plan with No 2025 FEHB Plan:
- Similar Option: If the carrier offers a 2025 PSHB option with similar benefits and cost-sharing as the 2024 FEHB option, individuals will be enrolled in this similar PSHB option.
- No Similar Option: If no similar PSHB option exists, individuals will be enrolled in the lowest-cost PSHB option available, or, if multiple options exist, in the lowest-cost option that is not an HDHP and does not require an association or membership fee.
- Into a Different Plan:
- If neither of the above conditions applies, individuals will be enrolled in the lowest-cost nationwide PSHB option, according to § 890.301(n).
- Same Enrollment Type:
- Individuals automatically enrolled under this section will maintain the same enrollment type as their 2024 enrollment type.
For more details and to get assistance with your PSHB decisions. Please, find a time at your convenience to meet with a licensed agent by following the prompts below.
