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OPM Revises Final Rule for Postal Health Benefits Plan.

Updated: May 23

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Have you heard about the latest updates in the Postal Health Benefits Plan (PSHB)? The Office of Personnel Management (OPM) has just made significant tweaks in its final rule, and here are the key highlights you need to know:


OPM Tweaks Its Final Rule for the Postal Health Benefits Plan

OPM Tweaks Its Final Rule for the Postal Health Benefits Plan

The Office of Personnel Management (OPM) has issued its final rule establishing the Postal Service Health Benefits (PSHB) program, a significant update driven by the Postal Service Reform Act of 2022 (PSRA). This new program is set to begin coverage in January 2025 and will replace the current Federal Employees Health Benefits (FEHB) Program for USPS employees, annuitants, and their families.

Key Updates in the Final Rule

Medicare Enrollment Verification: One of the critical changes in the final rule is the requirement for Medicare enrollment verification. Postal annuitants who are required to enroll in Medicare Part B must maintain their enrollment to remain eligible for PSHB. This integration will involve data exchanges with several agencies, including the Social Security Administration (SSA) and the Department of Veterans Affairs (VA) ( (U.S. Office of Personnel Management).

Clarifications and Rollout: The final rule includes several clarifications aimed at ensuring a smooth transition and effective implementation. These adjustments address specifics about eligibility, plan options, and the enrollment process. OPM has worked closely with multiple agencies to develop the necessary infrastructure to support the PSHB program (U.S. Office of Personnel Management).

Financial and Operational Support: The PSRA provided $70.5 million to OPM for the initial setup of the PSHB program. This funding is being utilized to establish contracts, develop eligibility and enrollment systems, and onboard necessary personnel. Additionally, OPM has requested an additional $37.7 million for FY 2024 to cover ongoing operational costs, including cybersecurity, project management, and outreach efforts ( (U.S. Office of Personnel Management).

Implementation Timeline: The PSHB program's implementation is set to progress through several key phases. This includes the first Open Season in late 2024, during which USPS employees and retirees will select their new health plans. OPM aims to ensure that the PSHB provides high-quality, affordable benefits and enhances the overall customer experience for its enrollees ( (U.S. Office of Personnel Management).


The establishment of the PSHB program marks a significant shift in health benefits for USPS employees and retirees. With the final rule in place, OPM is poised to deliver a modernized, efficient health benefits program that integrates closely with Medicare and other federal health systems, aiming for improved oversight and customer satisfaction.

For more detailed information, you can visit the official OPM page (U.S. Office of Personnel Management).

Appalachian Federal Benefit Resources (AFBR) is dedicated to assisting federal employees in the Appalachian region with their retirement and federal benefits planning. As a Disabled Veteran-Owned Small Business (SDVOSB), AFBR provides specialized services to ensure federal employees maximize their benefits.

Services Offered

Personalized Guidance: AFBR offers tailored consultations to help federal employees understand their specific benefits under the Federal Employees Retirement System (FERS) and the Civil Service Retirement System (CSRS). Their experts guide employees through the complexities of retirement planning, ensuring informed decision-making.

Comprehensive Education: Through workshops and educational resources, AFBR empowers federal employees with the knowledge needed to navigate their benefits. This includes understanding the Thrift Savings Plan (TSP), Social Security, and other federal benefit programs.

Retirement Planning: AFBR specializes in retirement planning, helping employees develop strategies that enhance investment potential, mitigate financial risks, and secure a financially sound retirement. Their services include maximizing Social Security benefits, planning for long-term care, and structuring retirement plans for guaranteed income.

Community Engagement: AFBR actively engages with the community, offering support and resources to federal employees across several states, including West Virginia, Ohio, Kentucky, Virginia, and beyond.

Core Values

  • Integrity: Upholding high ethical standards in all interactions.

  • Empathy: Providing personalized support with understanding and care.

  • Excellence: Delivering top-quality service and education.

  • Collaboration: Working with clients and partners to achieve shared goals.


Appalachian Federal Benefit Resources plays a crucial role in guiding federal employees through the complexities of their benefits, ensuring they can retire with confidence and financial security. For more detailed information and personalized assistance, visit the AFBR website.


Federal Benefits Consultant | Helping Federal Employees Maximize Retirement Benefits | Providing Strategic Financial Solutions for a Secure Retirement



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