NALC HBP Premiums for Postal Members
Understand what you’ll pay for your NALC Health Benefit Plan under the Postal Service Health Benefits (PSHB) Program. Your premium is fixed—no surprises. Below you’ll find what your premium includes, how to calculate your cost, and how Medicare may impact what you owe.
How it Works
Follow these 3 simple steps to calculate your biweekly or monthly premium under the PSHB NALC Health Benefit Plan:
- High Option Plan — Higher coverage and more benefits
- Consumer Driven Health Plan — Lower premiums with a Personal Care Account (PCA) to help with out-of-pocket costs
- Self Only
- Self Plus One
- Self Plus Family
- Your calculated premium will appear instantly—based on the 2025 PSHB rates”
- Not sure which plan is right for you? Compare plan options
Try the Calculator Tool
To calculate your premium, select your plan details below.
What Your Premium Calculation Covers
Your NALC HBP premium includes a wide range of health services—giving you peace of mind:
Medical and surgical services
Hospital and emergency care
Mental health and substance use disorder treatment
Prescription medications
Preventive screenings and wellness programs
Understanding All Your PSHB Costs
Your biweekly or monthly premium is the fixed amount taken from your paycheck or annuity.
It includes your coverage under the NALC Health Benefit Plan—giving you access to In-Network doctors and hospitals, prescription drugs, preventive care, and wellness benefits.
You can plan ahead for health care costs using the Healthcare Cost Estimator on myCigna.com.
This tool helps you:
See estimated costs for procedures, hospital stays, or prescriptions
Compare expected out-of-pocket costs between in-network doctors and hospitals
Make smart, cost-saving decisions about your care
Log in to myCigna.com to start estimating
Frequently Asked Questions (FAQs)
The High Option Plan gives you broader coverage and more benefits—but comes with a higher premium.
The CDHP Plan has lower premiums and includes a Personal Care Account (PCA)—but comes with the chance of paying more out-of-pocket expenses prior to the deductible being met.
For 2026—your NALC Health Benefit Plan premium is the same—whether you're an active employee or a retiree. That means your employment status doesn’t affect your premium.
The premium calculator is 100% accurate as it uses the official 2025 PSHB rates published by OPM.