Consumer Option (HDHP)
A health plan + a health savings account that’s there for you
The MHBP Consumer Option is a high-deductible health plan (HDHP) with a health savings account (HSA).
The Plan will deposit up to $2,400 per year for a Self and Family or Self Plus One enrollment ($1,200 Self Only) into your HSA for you. Use it to pay for health expenses, or watch your savings grow as they roll over. Network preventive care is covered at 100% with no deductible. After you meet your deductible, for most services you pay low copayments — or nothing at all — for covered care.
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2026 CONSUMER OPTION RATES (HDHP)
These rates do not apply to all Enrollees. If you are in a special enrollment category, please refer to the PSHB Program website or contact the agency which maintains your health benefits enrollment.
Postal Service Employees (biweekly)
- Self Only (CODE 74A): $133.53
- Self Plus One (CODE 74C): $312.13
- Self and Family (CODE 74B): $305.80
Annuitants (monthly)
- Self Only (CODE 74A): $289.32
- Self Plus One (CODE 74C): $676.29
- Self and Family (CODE 74B): $662.56
Why choose MHBP:
- 24/7 dedicated customer service team (except certain holidays).
- Outstanding plan satisfaction, per OPM.gov Consumer Satisfaction Survey Results. If you aren’t happy, we aren’t happy.
- A large, nationwide network of over 2 million capable care providers and hospitals. When you need care, it’s never too far.
- No referrals required to see a specialist. No jumping through hoops to see the right doctor.
- Worldwide coverage for living, working, or traveling abroad.
Enroll today and discover countless reasons to smile!
Great coverage. Low rates.
- Low copays for most services after deductible is met
- 40 alternative care visits per year for chiropractic care and acupuncture combined
- No additional cost for telehealth through Teladoc Health*
- No additional cost for Lab Savings Program*
The MHBP Consumer Option comes with a tax-advantaged HSA
- We contribute up to $2,400 per year for Self Plus One or Self and Family coverage ($1,200 for Self Only) to use for qualified medical expenses. The money is yours to spend or save.
- A debit card gives you easy access to your HSA funds. Use it when you need to pay for qualified medical expenses.
- Rollover HSA funds from year to year—there is no “use it or lose it” rule. Any unused funds in your HSA roll over from year to year, so you can use them to pay for future health care expenses.
Plans for a healthier you
Looking for a better health plan? With three MHBP plan options, find a health plan to fit your needs, with coverage at affordable rates. Look no further than MHBP. Download the brochure to learn more.
Please see the bottom of the website page for the most up-to-date information on member dues.
Shop. Compare. Choose MHBP.
How do you select the best plan for you and your family? Choice is a good thing, but choosing isn’t always easy. Compare your plan to MHBP and see if you can save.
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Have questions or need help selecting a plan? We offer multiple ways to get live help. Don’t wait, our friendly representatives are here for you.
Consumer Option members must meet their deductible before benefits apply.
Providers are independent contractors and are not agents of Aetna. Provider participation may change without notice. Aetna does not provide care or guarantee access to health services.
Information is accurate as of the production date but may change.
This material does not contain legal or tax advice. You should contact your legal counsel or tax advisor if you have any questions or need additional information.
Quest, Quest Diagnostics, any associated logos, and all associated Quest Diagnostics registered or unregistered trademarks are the property of Quest Diagnostics. Labcorp trademark is the property of Labcorp.
Teladoc Health and Teladoc physicians are independent contractors and are not agents of Aetna. Visit Teladoc.com/Aetna for a complete description of the limitations of Teladoc Health services. Teladoc, Teladoc Health and the Teladoc Health logo are registered trademarks of Teladoc Health, Inc.
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