Federal Employees Health Benefits

Access to the Federal Employees Health Benefits (FEHB) program, authorized by the Indian Health Care Improvement Act (IHCIA), is an opportunity for tribal governments carrying out programs under the Indian Self-Determination and Education Assistance Act (ISDEAA) and urban Indian organizations carrying out programs under Title V of the IHCIA to purchase the same coverage that federal employees have for their employees.  This access to federal insurance provides a new option for many tribes to purchase coverage for employees who might otherwise have difficulty accessing affordable insurance coverage in the private market.

The Federal Employees Health Benefits (FEHB) Program offers the widest selection of health plans in the country for eligible employees and their family members. Eligible employees may choose from among:

  • Fee-for-Service (FFS) plans and their Preferred Provider Organizations (PPO);
  • Health Maintenance Organizations (HMO) for those who live within the area serviced by the plan; and
  • Consumer-Driven and High Deductible plans that offer catastrophic risk protection with higher deductibles, health savings/reimbursement accounts, and lower premiums.

The U.S. Office of Personnel Management (OPM), the Agency responsible for administering the FEHB, has worked with tribes to develop an implementation timeline.  Tribal governments carrying out programs under the ISDEAA and urban Indian organizations carrying out programs under Title V of the IHCIA who are interested in accessing FEHB to purchase health insurance for their employees should review the material available here to evaluate potential costs, determine if the available options are substantial improvements to current choices, and evaluate significant personnel changes that may be necessary to implement.

More Resources

Participate in the FEHB Program

FEHB Fact Sheet for Your Community

FEHB FAQs

Tribal Leader FEHB Training

2012 Tribal Premium Rates

Office of Personnel Management