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Pick the federal plan that fits your care.

Compare two FEHB plans side by side: premiums, deductible, coinsurance, and out-of-pocket max — under low, medium, and high medical years.

Plan A

01 / PLAN A
$
$
$
%

Plan B

02 / PLAN B
$
$
$
%
Combined annual premium (your share)$0

Your care

03 / SPENDING
$
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Calculate the comparison to activate the email and copy buttons. Your entries stay in this tab and are not saved. Premiums are your employee share — the government pays roughly 70% of the total FEHB premium.

Two plans, one winner.

Enter both plans' premiums, deductible, coinsurance, and out-of-pocket max — plus what you expect to spend on care this year.

Last reviewed: October 2026.

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Honed Money provides calculators and educational information for general purposes only. It is not financial, tax, legal, investment, or insurance advice. Estimates are based on the information you enter and the assumptions shown. Actual results will vary. For taxes, retirement, and government benefits, verify with IRS.gov, SSA.gov, or VA.gov. We don’t sell financial products and aren’t paid for calculator results. Use at your own risk.