Even with Government Support, PSHB Costs in 2025 Are Quietly Adding Up
Key Takeaways
Even though the government covers a significant portion of PSHB premiums, your o…
These PSHB Contribution Rules Could Increase Your Costs Without You Getting More Coverage
Key Takeaways
PSHB contributions in 2025 may be higher than you expect, even when your coverage remains unchanged.Certain plan structures within PSHB can create disproportionate ou…
Small Changes in Contribution Rates Can Have Big Effects on PSHB Affordability Over Time
Key Takeaways
Even modest increases in PSHB contribution rates can add up significantly over time, especially for annuitants on fixed incomes.Understanding your plan structure and monitoring annu…
You’re Paying More Than You Think—Understanding What PSHB Contributions Really Cover
Key Takeaways
Your biweekly PSHB contributions are only part of the total costs you cover; deductibles, coinsurance, copayments, and prescription expenses can significantly increase your overall out-of-pocket bu…
What You Pay vs. What the Government Covers: Understanding the Split in PSHB Contributions
Key Takeaways
In 2025, the U.S. government covers about 70% of the total premium cost for most PSHB enrollees, while retirees and employees contribute the remaining 30%, which can still be substantial depending …
Your Premium Is Just the Beginning: Where Your PSHB Contributions Really Go Month After Month
Key Takeaways
Your monthly PSHB premium is just the starting point—additional costs like copayments, coinsurance, and deductibles add up quickly across the year.Understanding where your con…
What You Contribute Is Only Half the Picture—The Real Cost Shows Up Later
Key Takeaways
Your PSHB contribution on paper is only part of what you eventually pay. Additional costs like deductibles, coinsurance, and prescription caps significantly impact your overall financial responsibi…
The True Cost Breakdown of PSHB Coverage That You Don’t See on Your Pay Stub
Key Takeaways
Your PSHB paycheck deduction only shows part of the actual cost; the government is paying a significant portion you don’t see directly.Out-of-pocket expenses such as deductibles, co…
Premiums, Contributions, and Everything Between: What Your PSHB Deductions Really Cover (and Don’t)
Key Takeaways
Your monthly PSHB premium is only part of the picture. The federal government contributes roughly 72% of the total premium cost, but you’re still responsible for the rest—plus out-of-pocket ex…
Costs, Contributions, and the Silent Shift in How Much You’re Paying This Year
Key Takeaways
Your personal cost share for PSHB in 2025 may have increased even if you didn’t actively change plans—this is due to automatic enrollments and rising premium trends.Unde…