Premiums are shifting, and the government contribution varies. Here’s what to know to avoid surprises and save where you can.

Many of those affected have been enrolled in a NALC plan for years and may feel out of practice when it comes to comparing and selecting a new plan.

Federal employees and retirees will pay an average of 12.3% more toward their health insurance premiums in 2026, marking the second consecutive year of double-digit cost increases. The government’s ...