Postal

2025 Open Season for Postal Employees and Retirees

Open Season is your yearly opportunity to select, review, or make changes to your NALC Health Benefit Plan. Whether you're switching plans or updating your coverage level, we’re here to help you every step of the way.

Your Annual Benefits Check-In

Open Season is your chance to make updates or choose a new NALC Health Benefit Plan for the upcoming 2026 benefit year..

During Open Season, you can:

  • Enroll in the NALC High Option Plan or Consumer Driven Health Plan (CDHP)

  • Switch between High Option and CDHP

  • Update your enrollment type: Self Only, Self Plus One, or Self and Family

  • Add or remove eligible dependents

Compare Our Plans

What to Look for in 2026

Learn what to expect during the 2025 Open Season. 
 Download the NALC Postal Plan brochure below for more information.

Review these important 2026 updates:

  • Updated Premium Rates: New biweekly or monthly cost based on plan enrollment type

  • Wellness Programs and Special Features: Enhanced support from Hello Heart, Hinge Health®, Real Appeal®, and more

  • Prescription Drug Enhancements: CVS Caremark® and SilverScript® coverage with cost-saving tools

  • Expanded Mental Health Care: Access support via Optum (High Option) and Cigna (CDHP) networks

2026 PSHB High Option Benefits at a Glance
2026 PSHB Consumer Driven CDHP Benefits at a Glance
PSHB Additional Plan Partners & Programs for High Option
PSHB Additional Plan Partners & Programs for CDHP

Watch Our 2025 Open Season Video

Stay informed with our quick video overview of the 2025 Open Season for Postal employees.

Mark Your Calendar

Open Season doesn’t last long—make your elections before the deadline.

Ready to Make a Change? It's Easy.

How to Enroll During Open Season

Whether you're enrolling for the first time or updating your coverage, here’s how to enroll in the NALC Health Benefit Plan under the Postal Service Health Benefits (PSHB) Program:

Step 01
Use the PSHB System
Online: health-benefits.opm.gov/pshb
PSHB Helpline: 844-451-1261
Step 02
Select the NALC Health Benefit Plan
Step 03
Choose your coverage type
Step 04
Use the correct enrollment code from the table below
Plan Option
Self Only
Self Plus One
Self & Family
NALC HBP High Option Plan
77A
77C
77B
NALC HBP Consumer Driven Health Plan (CDHP)
77D
77F
77E

Need a Hand? We're Here for You.

Choosing a health plan is a big decision—but you’re not alone. We’re here to help you:

  • USPS Employees: Call the HR Shared Services Center at 877-477-3273 (select option 5 for Benefits)

  • Annuitants: Call the Retirement Information Office at 888-767-6738

  • PSHB Helpline: Call 844-451-1261

Deaf or hard of hearing? Use the Federal Relay Service at 1-800-877-8339.

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Frequently Asked Questions (FAQs)

FAQ representative
Open Season is the yearly period when USPS employees and retirees can review, change, or enroll in a NALC Health Benefit Plan under the Postal Service Health Benefits (PSHB) Program for the next year.
Both active USPS employees and retirees can enroll, switch between plans, or update dependents during Open Season.
If you miss the deadline, you’ll usually have to wait until the next Open Season unless you experience a qualifying life event (like marriage, birth, or retirement).
Yes. During Open Season, you can move from one NALC plan type to another, based on what best fits your health and financial needs.
You can enroll online through the PSHB System at health-benefits.opm.gov/pshb or by calling 844-451-1261. Use your NALC plan enrollment code from the page when signing up.
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