New for 2026
Take a quick peek at the enhancements and updates for 2026
Foreign Service Benefit Plan 2026 Premiums
| Enrollment Type | ENROLLMENT code | Bi-Weekly | Monthly |
|---|---|---|---|
| Self Only | 401 | $100.36 | $217.45 |
| Self Plus One | 403 | $257.96 | $558.91 |
| Self & Family | 402 | $248.27 | $537.93 |
Note: Two-person families are not required to enroll in Self Plus One. They can opt to enroll in Self and Family (402).
2026 Foreign Service Benefit Plan Benefit Enhancements & Updates
Your share of the bi-weekly premium rate will increase by $43.39 for Self Only, or increase by $171.39 for Self Plus One, or increase by $134.38 for Self and Family.
See back cover of the Plan brochure.
FSBP will introduce LiveWell Rewards, an enhanced wellness rewards program. The current Simple Steps to Living Well Together program will become LiveWell Rewards, with a redesigned and simplified approach that makes it easier to earn rewards for taking steps toward better health. The program will focus on preventive services, cancer screenings, chronic-condition management, and pregnancy-program participation. Members can still earn up to $400 annually.
See section 5(h), Wellness and other special features of the Plan brochure.
FSBP will auto-enroll newly Medicare-eligible members in the FSBP -Express Scripts Medicare® Prescription Drug Plan (PDP). This change is designed to help eligible members take advantage of lower prescription drug copayments and reduced out-of-pocket prescription drug costs.
See section 9 of the Plan brochure.
FSBP confirms a daily limit to massage therapy. Coverage will be limited to one massage therapy visit per person per day. The existing benefit limit of 50 visits per person per calendar year will remain unchanged.
See section 5(a) of the Plan brochure.
FSBP will transition members from several programs to other available health and wellness resources. The myStrength™ and AbleTo behavioral health programs will no longer be offered. Members will continue to have access to emotional and behavioral health support through FSBP resources, including Care Management, the Behavioral Health team, Teladoc Health stateside, and Lyra Health overseas, as applicable. The overseas Preventive Care Coach Program will also be discontinued because similar services are available through vHealth Worldwide.
See section 5(h) of the Plan brochure.
FSBP will add a copayment for inpatient hospital admissions and skilled nursing care in the United States, including Guam. Members using in-network providers will pay a $250 copayment per admission. For out-of-network providers in the United States, the copayment will increase from $200 to $500 per admission, in addition to the existing 20% coinsurance and any amount above the Plan allowance.
See section 5(c) of the Plan brochure.
FSBP will increase the catastrophic out-of-pocket maximum for Self Plus One and Self and Family enrollment. For in-network services, services received in Guam, and services received outside the 50 United States, the family maximum will increase from $8,000 to $12,000. For out-of-network services within the United States, the family maximum will increase from $10,000 to $16,000.
See section 4 of the Plan brochure.
FSBP will change the cost share for anti-obesity medications, including GLP-1 medications prescribed for weight loss. In 2027, covered anti-obesity medications will be subject to 50% coinsurance with no deductible at in-network retail pharmacies, Express Scripts PharmacySM home delivery, and participating Smart90® retail network pharmacies. Members obtaining these medications from out-of-network pharmacies outside the 50 United States will also pay 50% coinsurance with no deductible.
See section 5(h) of the Plan brochure.
The information here is a summary of the Plan’s benefits and features. All benefits are subject to the definitions, limitations, and exclusions set forth in our official FSBP Plan Brochure RI 72-001.
New Brochures for 2026
There are two ways to enroll in the Foreign Service Benefit Plan.
- 1. Use your agency's preferred method
- 2. Contact your agency's HR office
Download and fill out a Health Benefits Election Form (SF 2809) and submit to your Human Resources office.
Important:
You must remember your enrollment code and full name of the plan, Foreign Service Benefit Plan.
- Foreign Service Benefit Plan
| Enrollment Type | ENROLLMENT code |
|---|---|
| Self Only | 401 |
| Self Plus One | 403 |
| Self & Family | 402 |
There are two periods when Federal employees and retirees can enroll for the first time or switch their enrollment type.
All actively working or retired federal employees can enroll in, change or cancel their health plan during Open Season, which is typically the second Monday of November through the second Monday of December each year. Learn more.
New Employees
If you’re a new Federal employee eligible for Federal Employee Health Benefits (FEHB) coverage, you have 60 days from your start date to enroll in a health plan.
Qualifying Life Event
You may make changes to your health plan outside of Open Season if you have a qualifying life event. These include getting married, having a baby, getting divorced or you move outside of the plan’s coverage area. Learn more.
Questions about enrollment? Send us a message here or call 202-833-4910.
FSBP is HIPAA compliant. The confidential medical information (i.e., Protected Health Information (PHI)) that you provide to us is kept strictly confidential and secure in our records. Click here for our Notice of Privacy Practices.