FEDVIP 2027: Dental and Vision Premiums for Every Plan
FEDVIP is the Federal Employees Dental and Vision Insurance Program. It lets federal and Postal employees, retirees and certain TRICARE-eligible people buy dental and vision insurance as a group, with no pre-existing condition limits. Enrollees pay the whole premium. For 2027 there are 11 dental and 5 vision carriers offering 31 plan options, and OPM puts the average premium increase at 1.0% for dental and 1.6% for vision. You can enroll, switch or cancel during Open Season, which ends at 11:59 p.m. Eastern Time on December 14, 2026.
FEDVIP 2027 at a Glance
- Open Season: November 9 to December 14, 2026. For FEDVIP the deadline is 11:59 p.m. Eastern Time on December 14.
- Coverage starts: January 1, 2027 for Open Season enrollments.
- Premium change: average dental premiums up 1.0% and vision up 1.6%, according to OPM's Open Season highlights.
- Who pays: FEDVIP is enrollee-pay-all: you pay the full premium. Employees' premiums are withheld from pay before tax.
- Where to enroll: only through BENEFEDS, not your agency's self-service system.
2027 FEDVIP Dental Premiums
Dental premiums depend on where you live. Each carrier sorts ZIP codes into rating regions, and the same plan costs more in some regions than others. The table shows each plan option's lowest and highest biweekly premium across the regions where it is sold. Find your exact rate with OPM's rating region chart (next section).
| Plan and option | Where offered | Self Only, biweekly | Self & Family, biweekly |
|---|---|---|---|
| Aetna Dental - High | All states, DC, PR, GU, VI and international | $18.23 to $25.61 | $54.68 to $76.80 |
| Aetna Dental - Standard | All states, DC, PR, GU, VI and international | $11.32 to $15.84 | $33.95 to $47.53 |
| Blue Cross Blue Shield FEP Dental - High | All states, DC, PR, GU, VI and international | $19.51 to $28.84 | $58.53 to $86.53 |
| Blue Cross Blue Shield FEP Dental - Standard | All states, DC, PR, GU, VI and international | $10.50 to $15.56 | $31.49 to $46.69 |
| Delta Dental's Federal Employees Dental Program - High | All states, DC, PR, GU, VI and international | $18.31 to $27.30 | $54.92 to $81.90 |
| Delta Dental's Federal Employees Dental Program - Standard | All states, DC, PR, GU, VI and international | $10.93 to $15.51 | $32.78 to $46.54 |
| Dominion National - High | Some or all of DC, DE, MD, NC, NJ, PA, VA, WV | $10.17 to $15.01 | $30.51 to $45.04 |
| Dominion National - Standard | Some or all of DC, DE, MD, NC, NJ, PA, VA, WV | $6.03 to $8.87 | $18.08 to $26.60 |
| EmblemHealth Dental - High | Some or all of CT, MA, NJ, NY, PA | $34.48 | $103.37 |
| EmblemHealth Dental - Standard | Some or all of CT, MA, NJ, NY, PA | $21.16 | $63.46 |
| GEHA Connection Dental Federal - High | All states, DC, PR, GU, VI and international | $18.97 to $28.23 | $56.88 to $84.63 |
| GEHA Connection Dental Federal - Standard | All states, DC, PR, GU, VI and international | $10.82 to $16.00 | $32.41 to $48.00 |
| Humana Dental - High | Some or all of AL, AR, AZ, CA, CO, DC, FL, GA, IL, IN, KS, KY, LA, MD, MO, MS, NC, NV, OH, OK, PA, SC, TN, TX, UT, VA, WV | $21.52 to $31.91 | $64.57 to $95.74 |
| Humana Dental - Standard | Some or all of AL, AR, AZ, CA, CO, DC, FL, GA, IL, IN, KS, KY, LA, MD, MO, MS, NC, NV, OH, OK, PA, SC, TN, TX, UT, VA, WV | $11.71 to $17.15 | $35.14 to $51.45 |
| The MetLife Federal Dental Plan - High | All states, DC, PR, GU, VI and international | $18.81 to $25.90 | $56.42 to $77.69 |
| The MetLife Federal Dental Plan - Standard | All states, DC, PR, GU, VI and international | $11.09 to $14.61 | $33.26 to $43.83 |
| Triple-S Salud - High | Some or all of PR | $6.01 | $15.69 |
| United Concordia Dental - High | All states, DC, PR, GU, VI and international | $19.06 to $28.43 | $57.17 to $85.29 |
| United Concordia Dental - Standard | All states, DC, PR, GU, VI and international | $11.77 to $17.47 | $35.27 to $52.40 |
| UnitedHealthcare Dental Plan - High | All states, DC, PR, GU, VI and international | $22.39 to $33.42 | $67.18 to $100.26 |
| UnitedHealthcare Dental Plan - Standard | All states, DC, PR, GU, VI and international | $12.56 to $18.66 | $37.68 to $55.97 |
Every carrier offers a High and a Standard option, except Triple-S Salud, which offers only High. In every rating region, the High option costs more than the same carrier's Standard option. To see what each option covers, read the plan's brochure or use OPM's FEDVIP Plan Comparison Tool before you pick one.
New for 2027, OPM says a Compare Dental Service Costs Tool will be available through BENEFEDS.gov for current and prospective dental enrollees with a FEDVIP account. It is to give out-of-pocket cost range estimates for 75 of the most common dental services across all 11 dental carriers.
2027 FEDVIP Vision Premiums
OPM's vision chart lists one rate per plan option, with no rating regions. These are the biweekly rates for 2027:
| Plan and option | Self Only | Self Plus One | Self & Family |
|---|---|---|---|
| Aetna Vision Preferred - High | $5.71 | $11.39 | $17.10 |
| Aetna Vision Preferred - Standard | $3.36 | $6.71 | $10.07 |
| Blue Cross Blue Shield FEP Vision - High | $5.82 | $11.63 | $17.45 |
| Blue Cross Blue Shield FEP Vision - Standard | $3.56 | $7.12 | $10.68 |
| The MetLife Federal Vision Plan - High | $5.62 | $11.23 | $16.85 |
| The MetLife Federal Vision Plan - Standard | $3.79 | $7.58 | $11.37 |
| UnitedHealthcare Vision Plan - High | $5.92 | $11.83 | $17.75 |
| UnitedHealthcare Vision Plan - Standard | $3.87 | $7.74 | $11.61 |
| VSP Vision Care - High | $6.72 | $13.46 | $20.19 |
| VSP Vision Care - Standard | $3.58 | $7.16 | $10.75 |
How Dental Rating Regions Work
OPM's 2027 dental rating region chart lists, for each state (or the first three digits of a ZIP code within a state), the rating region each carrier uses. Carriers do not share one map, so the same ZIP code can be in region 1 for one carrier and region 3 for another (in Alabama ZIP codes starting 356 to 358, for example, Humana uses region 3 and the other carriers that sell there use region 1). To find your rate:
- Open the rating region chart and find your state, then your ZIP code's first three digits if your state is split.
- Read the region number in the column for the carrier you want. "N/A" means that carrier has no rating region there.
- Find that region's row for the plan in the dental premium chart.
Who Can Enroll in FEDVIP
- Employees: federal and Postal employees who are eligible for FEHB, and whose position is not excluded by law or regulation. You do not have to be enrolled in FEHB; being eligible is enough.
- Retirees: annuitants who retired on an immediate annuity or for disability under CSRS, FERS or another federal retirement system. They do not have to be eligible for or enrolled in FEHB. FEDVIP has no 5-year rule like FEHB: an employee's FEDVIP enrollment continues into retirement however long they had it. If you retire under MRA+10 and postpone your annuity, FEDVIP ends; you can enroll again when the annuity starts.
- Survivors and compensationers: survivor annuitants receiving an annuity, and people receiving OWCP compensation who cannot return to duty.
- TRICARE-eligible people: uniformed services retirees and their families, including "gray-area" Guard and Reserve retirees under age 60, for dental; also for vision if they are enrolled in a TRICARE health plan. Active duty family members enrolled in a TRICARE health plan can get vision coverage.
- Family members: your spouse and unmarried civilian dependent children under age 22. For TRICARE-eligible children the limit is under age 21, or under 23 for full-time students.
How and When to Enroll
- Use BENEFEDS. You must enroll or change a FEDVIP plan through BENEFEDS (benefeds.gov, or 1-877-888-3337). You cannot enroll with the SF 2809 form or through Employee Express, PostalEase, EBIS, MyPay or Employee Personal Page.
- Open Season or within 60 days. Enrollment happens during the annual Open Season. New and newly eligible employees can enroll within 60 days after they become eligible.
- Enrollment carries over. If you are enrolled and do not change anything, your enrollment continues automatically into 2027, at the new premium. Unlike FSAFEDS, you do not have to re-enroll each year.
- Cancelling is hard. OPM says opportunities to cancel FEDVIP are extremely limited; to cancel, you must do it during Open Season.
- Three enrollment types: Self Only, Self Plus One (you and one eligible family member you specify) and Self and Family (you and all eligible family members, who must all be listed).
Sources & Methodology
- Premiums: OPM 2027 FEDVIP dental rates, 2027 FEDVIP vision rates and 2027 dental rating region chart. The dental rate chart also lists a region 0 for some carriers; no state or ZIP code maps to region 0 in the region chart, so we left it out of the ranges.
- Premium change, carrier count, effective date and the cost tool: OPM, 2026 Federal Benefits Open Season Highlights for Plan Year 2027.
- Deadline: OPM Open Season.
- Program, eligibility and enrollment rules: OPM Dental & Vision, Eligibility and Enrollment.
- All sources retrieved November 7, 2026.
FAQ
When is FEDVIP Open Season for 2027 coverage?
November 9 to December 14, 2026. For FEDVIP the deadline is 11:59 p.m. Eastern Time on December 14, and coverage chosen in Open Season starts January 1, 2027.
Do I need FEHB to get FEDVIP?
Employees must be eligible for FEHB but do not have to be enrolled in it. Retirees do not have to be eligible for or enrolled in FEHB.
Are FEDVIP premiums pre-tax?
For employees, yes: OPM says premiums for enrolled federal and Postal employees are withheld from salary on a pre-tax basis.
Do I have to re-enroll in FEDVIP every year?
No. If you do nothing, your FEDVIP enrollment continues automatically. FSAFEDS is the one that needs re-enrollment each year.
This page is for educational purposes only and is not financial or insurance advice. Premiums are OPM's published 2027 rates; check your exact rate and plan benefits on BENEFEDS before you enroll.
