IRS Federal Health Insurance Benefits


Open Season Enrollment: November 11, 2019 – December 9, 2019

Welcome to the IRS Federal Benefits Open Season home page!

Open Season is the time of year to review your health options and ensure that you have affordable health, dental and/or vision coverage for you and your family during the next year. You can also change your health benefits premium conversion election. Most Federal Employees Health Benefit (FEHB) program plan providers will update their benefits and rates for 2020. Others will drop out (PDF) of the program or change their service areas or coverage options (PDF). For 2020, some of the Self Plus One health benefit premiums may be higher than the Self and Family premiums for the coming year. Therefore, you should carefully review your health options during this period to decide what coverage and premium best suits you and the needs of your family for the upcoming year.

You must make all Open Season health benefits elections and changes through the Employee Personal Page by December 9, 2019. If you don’t have your login information, you can request your user ID or password or sign up as a new user.

You can also supplement your health insurance coverage by enrolling in a dental and/or vision insurance plan through the Federal Employees Dental and Vision Insurance Program (FEDVIP). Premiums are withheld on a pre-tax basis from your salary. You must make enrollments and changes through the FEDVIP website.

It is also a time to consider saving money on your out-of-pocket medical and dependent care expenses for 2020. The Flexible Spending Account (FSAFEDS) Program can save you money through lower tax withholdings. You fund your FSAFEDS account through pre-tax contributions from your salary, and use the account to pay out-of-pocket health care or dependent care costs. You must make enrollments and changes through the FSA website.

It is your responsibility to carefully review Open Season information and make informed decisions on your benefits. If you do nothing this Open Season and are later unhappy with your 2020 benefits or premiums, you cannot cancel or change your enrollment until the next Open Season unless you experience a qualifying life event as defined by the benefit program.

Open Season Program Information:

Health (FEHB)

Dental/Vision (FEDVIP)

Flexible Spending Accounts - (FSAFEDS)

What do you Need to Consider for Open Season? 

Below are three basic questions to ask yourself when evaluating your options for Open Season.

  • What are my and/or my family’s expected health care needs for 2020?
  • What benefits are available in 2020?
  • How much will it cost?

The Federal Benefits Fast Facts sheet (PDF) will assist you with these questions and other details which may be important to you so you can make informed decisions about your benefit choices for 2020.

Questions on Health Benefit Plans?

For questions regarding a specific plan’s benefits, contact the health carrier directly at the phone number listed on plan brochures or on their website.

Need Help Comparing Plan Information?

The following resources are available to assist you in comparing plans to fit your individual needs for this Open Season:

Is Long Term Care Right For You?

Need help performing everyday tasks (activities of daily living) due to a chronic illness, injury, disability or the aging process. Long term care may be for you. It is not just for the elderly! Nearly 41% of long term care is provided to people under age 65. The Federal Long Term Care Insurance Program (FLTCIP) is not part of Open Season; however, it is the perfect time to review program benefits along with your other insurance options.  Premiums are based on your age. The younger you are when you apply, the lower your premiums. Check to see if the coverage is for you.

Virtual Benefits Fair

Nov. 11 – Dec. 9
Register to attend events to 
view 2020 open season plan
information and more.

Live chat days with health
carriers on:
Nov. 15, 10 a.m. – 5 p.m. ET
Nov. 22, 10 a.m. – 5 p.m. ET
Dec. 4, 10 a.m. – 5 p.m. ET

Register Now


Contact the Employee 
Resource Center at 866-743-5748, option 1 for 
questions about health
insurance benefits,
eligibility, enrollment, or 
Open Season information.