Which Health Insurance Is Best For Federal Employee? 
Unfortunately there is no simple answer to your question . Federal employees have a wide variety of health insurance plan options made available to them at every Federal open enrollment season and these options vary depending upon the employee 's geographic location . My spouse is a Federal employee so I get stuck with reviewing the options for our family every year . As every person 's health care situation is unique , their financial resources vary and you may have a choice ranging from HMO 's to high deductible Health Savings Account based plans there simply is no one size fits all answer . If you have a strong preference for certain doctors , hospitals and pharmacies then determining which plan options have these providers in-network will be a good starting point . Next you will want to examine the cost sharing arrangements in the plans that have the providers you like . This is where looking into the plan 's deductible , co-insurance and out-of-pocket maximum financial exposure plus any doctor and prescription copayment features comes into play . And , last but certainly not least , will be whatthe monthly premiums are for the finalist plans that have met all your other criteria . I wish I could make life simpler for you and just say choose Plan X but the Federal Government has gone to great lengths to provide its employees lots of plans to choose from at different price points so it really defies any simple answer . Kind of like if you asked me what car would be best for you and I said a Prius only to find out you need to tow a 24-foot boat to the lake every weekend - the Prius would get you good gas mileage but might not even pull that boat out of the driveway . 