Postal

NALC HBP Premiums for Postal Members

Understand what you’ll pay for your NALC Health Benefit Plan under the Postal Service Health Benefits (PSHB) Program. Your premium is fixed—no surprises. Below you’ll find what your premium includes, how to calculate your cost, and how Medicare may impact what you owe.

How it Works

Follow these 3 simple steps to calculate your biweekly or monthly premium under the PSHB NALC Health Benefit Plan:

Compare the plans

Step 01

Choose Your Plan Type

High Option Plan — Higher coverage and more benefits

Consumer Driven Health Plan — Lower premiums with a Personal Care Account (PCA) to help with out-of-pocket costs

Step 02

Select Your Coverage Level

Self Only

Self Plus One

Self Plus Family

Step 03

View Your Biweekly Cost

Your calculated premium will appear instantly—based on the 2025 PSHB rates"

Not sure which plan is right for you? Compare plan options

Try the Calculator Tool

To calculate your premium, select your plan details below.

Select Your Plan

Coverage Level

Frequency

YOUR ESTIMATED PREMIUM

$109.98

Calculations are based on the 2025 NALC HBP PSHB rates.

View High Option Plan View CDHP Plan Compare Plan Options How to Enroll

What Your Premium Calculation Covers

Your NALC HBP premium includes a wide range of health services—giving you peace of mind:

Medical and surgical services
Hospital and emergency care
Mental health and substance use disorder treatment
Prescription medications
Preventive screenings and wellness programs

Understanding All Your PSHB Costs

Beyond the Premium: Estimating Your Costs for Care

Your Premium

Your biweekly or monthly premium is the fixed amount taken from your paycheck or annuity.

It includes your coverage under the NALC Health Benefit Plan—giving you access to In-Network doctors and hospitals, prescription drugs, preventive care, and wellness benefits.

Your Costs for Medical Services

You can plan ahead for health care costs using the Healthcare Cost Estimator on myCigna.com.

This tool helps you:

See estimated costs for procedures, hospital stays, or prescriptions
Compare expected out-of-pocket costs between in-network doctors and hospitals
Make smart, cost-saving decisions about your care

Find Care and Costs on myCigna

Ready to Choose a Plan?

Review the premiums chart to decide which plan works best for you — then head over to enroll or explore your plan in more detail.

View High Option Plan

View CDHP Plan

How to Enroll

We're Here for You

Have a question about the NALC Health Benefit Plans? Need help to understand something? We're always happy to assist!

Contact Member Service

Frequently Asked Questions (FAQs)

The High Option Plan gives you broader coverage and more benefits—but comes with a higher premium.

The CDHP Plan has lower premiums and includes a Personal Care Account (PCA)—but comes with the chance of paying more out-of-pocket expenses prior to the deductible being met.

For 2026—your NALC Health Benefit Plan premium is the same—whether you're an active employee or a retiree. That means your employment status doesn’t affect your premium.

The premium calculator is 100% accurate as it uses the official 2025 PSHB rates published by OPM.

View FAQs