[20160119]IF10324_联邦雇员健康福利（FEHB）计划：2016计划年开放季节.pdf

https:/crsreports.congress.gov Updated January 19, 2016The Federal Employees Health Benefits (FEHB) Program: Open Season for the 2016 Plan YearOverview The Federal Employees Health Benefits (FEHB) Program is the largest employer-sponsored health benefits program in the United States. FEHB is administered by the Office of Personnel Management (OPM). Participation in FEHB is voluntary, with 85% of federal employees enrolled and 90% of federal retirees participating. FEHB provides about $48 billion in health benefits annually. According to the most recent estimate from OPM for 2015, there are about 4 million policyholders in FEHB, covering about 8.2 million people, including federal employees, retirees, and their eligible family members. This number includes employees and retirees of the United States Postal Service (USPS). See Figure 1 for a breakdown of FEHB policyholders. Figure 1. Profile of FEHB Policyholders, 2015 Source: Congressional Research Service (CRS) analysis of Office of Personnel Management (OPM) data. Open Season Individuals have the opportunity to enroll for the first time or change their existing health insurance plan during the annual open season. The open season