<!DOCTYPE html>

<html   xmlns="http://www.w3.org/1999/xhtml"      xmlns:og="http://opengraphprotocol.org/schema/"      xmlns:fb="http://www.facebook.com/2008/fbml"      lang="en"      xml:lang="en"    >
<head>
	<meta http-equiv="X-UA-Compatible" content="IE=edge" />
	<link rel="shortcut icon" href="/favicon.ico" />

	
	
	<title>Health Insurance</title>
	<meta http-equiv="Content-Type" content="text/html; charset=utf-8" />
	<meta name="description" content="Welcome to opm.gov" />
	<meta name="keywords" content="OPM,Office of Personnel Management,opm.gov" />
	<meta name="Expires" content="" />
	<meta name="TemplateVersion" content="3.0" />
	<meta name="viewport" content="width=device-width" />

	
    


	<meta property="fb:admins" content="568256384" />
	<meta property="fb:app_id" content="121223957945585" />
	<meta property="og:type" content="article" />
	<meta property="og:site_name" content="U.S. Office of Personnel Management" />
	<meta property="og:image" content="https://www.opm.gov/img/global/opm-seal-share.png" />
	<meta property="og:url" content="https://www.opm.gov/healthcare-insurance/tribal-employers/health-insurance/" />

<link href="/cdn/css/themes/opm-uswds/styles.css?v=20240410"  type="text/css" rel="stylesheet" media="screen,projection"/>
<link href="/cdn/css/responsive/global-medium.css"  type="text/css" rel="stylesheet" media="screen,projection"/>
<link href="/cdn/css/responsive/global-small.css"  type="text/css" rel="stylesheet" media="screen,projection"/>
<link href="/cdn/lib/font-awesome/6.2.0/css/all.min.css"  type="text/css" rel="stylesheet" media="screen,projection"/>
<link href="/cdn/lib/font-awesome/6.2.0/css/v5-font-face.min.css"  type="text/css" rel="stylesheet" media="screen,projection"/>
<link href="//use.typekit.net/vgn7vpt.css"  type="text/css" rel="stylesheet" media="screen,projection"/>
<link href="/cdn/css/lib/colorbox/colorbox.css"  type="text/css" rel="stylesheet" media="screen,projection"/>
<link href="/faqs/styles/opmanswers.css"  type="text/css" rel="stylesheet" media="screen,projection"/>
<link href="/css/print.css"  type="text/css" rel="stylesheet" media="print"/>
<link href="/cdn/css/print.css"  type="text/css" rel="stylesheet" media="print"/>


	<script type="text/javascript" language="javascript">
            var primaryServer = "www.opm.gov";
	</script>

<script src="//ajax.googleapis.com/ajax/libs/jquery/3.6.3/jquery.min.js" type="text/javascript" ></script><script type="text/javascript">
if( !window.jQuery ) {document.write('<script src="\/cdn\/js\/lib\/jquery\/jquery-3.6.3.min.js" type="text/javascript" ><\/script>');}
</script>
<!--[if lt IE 9]><script src="/js/jquery.json-2.3.min.js" type="text/javascript" ></script><![endif]-->
<!--[if lt IE 9]><script src="//html5shiv.googlecode.com/svn/trunk/html5.js" type="text/javascript" ></script><![endif]-->
<script src="/js/jstorage.min.js" type="text/javascript" ></script>
<script src="/faqs/scripts/scripts.js" type="text/javascript" ></script>
<script src="/js/core/webmethods.setup.js" type="text/javascript" ></script>

<script type="text/javascript">
$(document).ready(function(){
$('.read-more-content').addClass('hide');
$('.read-more-toggle').on('click', function() {
  $('.read-more-content').toggleClass('hide');
  $(this).text($(this).text() == 'View More' ? 'View Less' : 'View More');
});
});
</script>


<style>
.hide {display: none;}
.read-more-toggle {cursor: pointer;}
}
</style>

	<script type="text/javascript" language="javascript">
		var AccessibilityMode = false;
	</script>

	
    
	


	
    
	



	<script type="text/javascript" src="/js/jstorage.min.js"></script>
</head>
<body id="htmBody"class="" >
	<!-- Google Tag Manager (noscript) -->
	<noscript>
		<iframe src="https://www.googletagmanager.com/ns.html?id=GTM-WGTWNGX"
				height="0" width="0" style="display:none;visibility:hidden"></iframe>
	</noscript>
	<!-- End Google Tag Manager (noscript) -->
	<a class="usa-skipnav skipnav" href="#page-navigation">Skip to page navigation</a>

	<script type="text/javascript">
		var optInResponsive = true;
		var enableFeedTemplateData = true; //enables the remote loading of top/left/footer navigation using JSON (see core.standard.js)
		if (window.document.documentMode) { //testing for IE, if visiting in IE, disable the remote loading of nav and responsive
			enableFeedTemplateData = false;
			optInResponsive = false;
		}

		$(".ChangeValidationSettings").click(function (e) {
			e.preventDefault();
			core.toggleAccessibilityMode();
		});

		core.setAccessibilityInfo();
	</script>
	<section class="usa-banner" id="USWDS-usa-banner" aria-label="Official government website">
		<div class="usa-accordion">
			<header class="usa-banner__header">
				<div class="usa-banner__inner">
					<div class="grid-col-auto">
						<img class="usa-banner__header-flag" src="/cdn/img/us_flag_small.png"
							 alt="U.S. flag">
					</div>
					<div class="grid-col-fill tablet:grid-col-auto">
						<p class="usa-banner__header-text">An official website of the United States government</p>
						<p class="usa-banner__header-action" aria-hidden="true">Here's how you know</p>
					</div>
					<button class="usa-accordion__button usa-banner__button" aria-expanded="false"
							aria-controls="gov-banner">
						<span class="usa-banner__button-text">Here's how you know</span>
					</button>
				</div>
			</header>
			<div class="usa-banner__content usa-accordion__content" id="gov-banner">
				<div class="grid-row grid-gap-lg">
					<div class="usa-banner__guidance tablet:grid-col-6">
						<img class="usa-banner__icon usa-media-block__img" src="/cdn/img/icon-dot-gov.svg"
							 alt="Federal building icon" role="img" aria-hidden="true">
						<div class="usa-media-block__body">
							<p>
								<strong>Official websites use .gov</strong>
								<br />A <strong>.gov</strong> website belongs to an official government
								organization in the United States.
							</p>
						</div>
					</div>
					<div class="usa-banner__guidance tablet:grid-col-6">
						<img class="usa-banner__icon usa-media-block__img" src="/cdn/img/icon-https.svg" role="img" alt="Lock icon" aria-hidden="true">
						<div class="usa-media-block__body">
							<p>
								<strong>Secure .gov websites use HTTPS</strong>
								<br>A <strong>lock</strong> (
								<span class="icon-lock">
									<svg xmlns="http://www.w3.org/2000/svg"
										 width="52"
										 height="64"
										 viewBox="0 0 52 64"
										 class="usa-banner__lock-image"
										 role="img"
										 aria-labelledby="banner-lock-title-default banner-lock-description-default"
										 focusable="false">
										<title id="banner-lock-title-default">Lock</title>
										<desc id="banner-lock-description-default">A locked padlock</desc>
										<path fill="#000000"
											  fill-rule="evenodd"
											  d="M26 0c10.493 0 19 8.507 19 19v9h3a4 4 0 0 1 4 4v28a4 4 0 0 1-4 4H4a4 4 0 0 1-4-4V32a4 4 0 0 1 4-4h3v-9C7 8.507 15.507 0 26 0zm0 8c-5.979 0-10.843 4.77-10.996 10.712L15 19v9h22v-9c0-6.075-4.925-11-11-11z" />
									</svg>
								</span>
								) or <strong>https://</strong> means you’ve safely connected to
								the .gov website. Share sensitive information only on official,
								secure websites.
							</p>
						</div>
					</div>
				</div>
			</div>
		</div>
	</section>
	<div class="usa-overlay"></div>

	<header class="usa-header usa-header--extended">
		<div class="usa-navbar">
			<div class="usa-logo" id="-logo">
				<a href="/" title="home"><img class="usa-header__logo-img" src="/cdn/img/opm-uswds/opm_logo.svg" alt="U.S. Office of Personnel Management logo"></a>
			</div>
			<button type="button" class="usa-menu-btn">Menu</button>
		</div>
		<nav aria-label="Primary navigation" class="usa-nav">
			<div class="usa-nav__inner">
				<div class="usa-nav__secondary usa-header--extended">
					<button type="button" class="usa-nav__close">
						<img src="/cdn/img/close-white.svg" role="img" alt="">
					</button>
					<section aria-label="Search component">
						<form class="usa-search usa-search--small " role="search" action="/search" method="GET" name="gs">
							<label id="SearchAllofOPM" class="usa-sr-only" for="basic-search-field-small">Search all of OPM</label>
							<input class="usa-input search" id="basic-search-field-small" type="search" name="q">
							<button class="usa-button" type="submit"><span class="usa-sr-only">Submit</span></button>
						</form>
					</section>
				</div>
				<div class="left-panel-top-2">
					<span class="nav-header">Sections</span>
					<ul class="usa-nav__primary usa-accordion">
						<li class="usa-nav__primary-item">
							<a tabindex="0" class="" aria-controls="about-control-id">
								<span>About</span>
							</a>
							<span class="nav-toggle" title="toggle about subnavigation" tabindex="0">
								<span class="AccessibilityInfo">Toggle submenu</span>
							</span>
							<div id="about-control-id" class="usa-nav__submenu usa-megamenu" style="display: none;">
								<ul class="usa-nav__submenu__inner">
									<li class="usa-nav__submenu-item">
										<a href="/about-us/"><span>Our Agency</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/about-us/who-we-are/"><span>Who We Are</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/about-us/our-work/"><span>Our Work</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/about-us/mission-history/"><span>Mission & History</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/about-us/careers-at-opm/"><span>Careers at OPM</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/about-us/doing-business-with-opm/"><span>Doing Business with OPM</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/about-us/reports-publications/"><span>Reports & Publications</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/about-us/open-government/"><span>Open Government</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/about-us/get-help/"><span>Get Help</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/about-us/contact-us/"><span>Contact Us</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/about-us/news/"><span>News</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/data/"><span>Data</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/about-us/2023-agency-financial-report/"><span>2023 Agency Financial Report</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/about-us/combined-federal-campaign/"><span>Combined Federal Campaign</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/about-us/agency-equity-action-plan/"><span>Agency Equity Action Plan</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/about-us/2023-annual-performance-report/"><span>2023 Annual Performance Report</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/about-us/fy-2025-congressional-budget-justification-and-annual-performance-plan/"><span>FY 2025 Congressional Budget Justification</span></a>
									</li>
								</ul>
							</div>
						</li>
						<li class="usa-nav__primary-item">
							<a tabindex="0" class="" aria-controls="policy-control-id">
								<span>Policy</span>
							</a>
							<span class="nav-toggle" title="toggle policy subnavigation" tabindex="0">
								<span class="AccessibilityInfo">Toggle submenu</span>
							</span>
							<div id="policy-control-id" class="usa-nav__submenu usa-megamenu" style="display: none;">
								<ul class="usa-nav__submenu__inner">
									<li class="usa-nav__submenu-item">
										<a href="/policy-data-oversight/assessment-and-selection/"><span>Assessment & Selection</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/policy-data-oversight/classification-qualifications/"><span>Classification & Qualifications</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/policy-data-oversight/data-analysis-documentation/"><span>Data, Analysis & Documentation</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/policy-data-oversight/disability-employment/"><span>Disability Employment</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/policy-data-oversight/diversity-equity-inclusion-and-accessibility/"><span>Diversity, Equity, Inclusion, and Accessibility</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/policy-data-oversight/chief-diversity-officers-executive-council/"><span>CDOE Council</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/policy-data-oversight/chief-human-capital-officers-council/"><span>CHCO Council</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/policy-data-oversight/covid-19/"><span>Coronavirus Disease 2019</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/policy-data-oversight/employee-relations/"><span>Employee Relations</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/policy-data-oversight/future-of-the-workforce/post-hybrid-work-environment-guidance/"><span>Re-Entry Guidance</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/policy-data-oversight/future-of-the-workforce/hybrid-work-environment-toolkit/"><span>Re-Entry Toolkit</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/policy-data-oversight/future-of-the-workforce/human-resources-solutions/"><span>Human Resources Solutions</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/policy-data-oversight/future-of-the-workforce/frequently-asked-questions-for-hybrid-work-environment/"><span>Frequently Asked Questions for Hybrid Work Environment</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/policy-data-oversight/hiring-information/"><span>Hiring Information</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/policy-data-oversight/human-capital-management/"><span>Human Capital Management</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/policy-data-oversight/human-capital-framework/"><span>Human Capital Framework</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/policy-data-oversight/labor-relations/"><span>Labor Management Relations</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/policy-data-oversight/oversight-activities/"><span>Oversight Activities</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/policy-data-oversight/pandemic-information/"><span>Pandemic Information</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/policy-data-oversight/pay-leave/"><span>Pay & Leave</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/policy-data-oversight/performance-management/"><span>Performance Management</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/policy-data-oversight/senior-executive-service/"><span>Senior Executive Service</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/policy-data-oversight/settlement-guidelines/"><span>Settlement Guidelines</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/policy-data-oversight/snow-dismissal-procedures/"><span>Snow & Dismissal Procedures</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/policy-data-oversight/training-and-development/"><span>Training & Development</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/policy-data-oversight/tribal-consultation/"><span>Tribal Consultation</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/policy-data-oversight/veterans-services/"><span>Veterans Services</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/policy-data-oversight/worklife/"><span>Work-Life</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/policy-data-oversight/workforce-restructuring/"><span>Workforce Restructuring</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/policy-data-oversight/policy-faqs/"><span>Policy FAQs</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/policy-data-oversight/contact-policymakers/"><span>Contact Policymakers</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/policy-data-oversight/fy-2023-human-capital-reviews/"><span>FY 2023 Human Capital Reviews</span></a>
									</li>
								</ul>
							</div>
						</li>
						<li class="usa-nav__primary-item">
							<a tabindex="0" class="usa-current" aria-controls="insurance-control-id">
								<span>Insurance</span>
							</a>
							<span class="nav-toggle" title="toggle insurance subnavigation" tabindex="0">
								<span class="AccessibilityInfo">Toggle submenu</span>
							</span>
							<div id="insurance-control-id" class="usa-nav__submenu usa-megamenu" style="display: none;">
								<ul class="usa-nav__submenu__inner">
									<li class="usa-nav__submenu-item">
										<a href="/healthcare-insurance/open-season/"><span>Open Season</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/healthcare-insurance/life-events/"><span>Life Events</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/healthcare-insurance/changes-in-health-coverage/"><span>Changes in Health Coverage</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/healthcare-insurance/healthcare/"><span>Healthcare</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/healthcare-insurance/healthcare/plan-information/compare-plans/"><span>FEHB Plan Comparison Tool</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/healthcare-insurance/dental-vision/"><span>Dental & Vision</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/healthcare-insurance/healthcare/plan-information/compare-plans/fedvip/"><span>FEDVIP Plan Comparison Tool</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/healthcare-insurance/life-insurance/"><span>Life Insurance</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/healthcare-insurance/flexible-spending-accounts/"><span>Flexible Spending Accounts</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/healthcare-insurance/long-term-care/"><span>Long Term Care</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/healthcare-insurance/multi-state-plan-program/issuer/"><span>Issuer</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/healthcare-insurance/tribal-employers/"><span>Tribal Employers</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/healthcare-insurance/special-initiatives/"><span>Special Initiatives</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/healthcare-insurance/insurance-glossary/"><span>Insurance Glossary</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/healthcare-insurance/insurance-faqs/"><span>Insurance FAQs</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/healthcare-insurance/contact-healthcare-insurance/"><span>Contact Healthcare & Insurance</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/healthcare-insurance/affordable-care-act/"><span>The Affordable Care Act</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/healthcare-insurance/carriers/"><span>Carriers</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/healthcare-insurance/pshb/"><span>Postal Service Health Benefits Program</span></a>
									</li>
								</ul>
							</div>
						</li>
						<li class="usa-nav__primary-item">
							<a tabindex="0" class="" aria-controls="retirement-control-id">
								<span>Retirement</span>
							</a>
							<span class="nav-toggle" title="toggle retirement subnavigation" tabindex="0">
								<span class="AccessibilityInfo">Toggle submenu</span>
							</span>
							<div id="retirement-control-id" class="usa-nav__submenu usa-megamenu" style="display: none;">
								<ul class="usa-nav__submenu__inner">
									<li class="usa-nav__submenu-item">
										<a href="/retirement-center/my-annuity-and-benefits/"><span>My Annuity and Benefits</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/retirement-center/csrs-information/"><span>CSRS Information</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/retirement-center/fers-information/"><span>FERS Information</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/retirement-center/phased-retirement/"><span>Phased Retirement</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/retirement-center/retirement-statistics/"><span>Retirement Statistics</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/retirement-center/special-notices/"><span>Special Notices</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/retirement-center/calculators/federal-ball-park-estimator/"><span>Federal Ball Park Estimator</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/retirement-center/calculators/fegli-calculator/"><span>FEGLI Calculator</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/retirement-center/tax-information-for-annuitants/"><span>Tax Information for Annuitants</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/retirement-center/publications-forms/"><span>Publications & Forms</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/retirement-center/benefits-officers-center/"><span>Benefits Officers Center</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/retirement-center/retirement-faqs/pre-retirement/"><span>Pre-Retirement</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/retirement-center/retirement-faqs/post-retirement/"><span>Post-Retirement</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/retirement-center/retirement-faqs/leaving-the-government/"><span>Leaving the Government</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/retirement-center/survivor-benefits/"><span>Survivor Benefits</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/retirement-center/how-to-make-a-payment/"><span>How to Make a Payment</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/retirement-center/quick-guide/"><span>Quick Guide</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/support/retirement/contact/"><span>Contact Retirement</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="https://www.opm.gov/Blogs/Retire/"><span>Retirement Information Center</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/retirement-center/application-tips/"><span>Application Tips</span></a>
									</li>
								</ul>
							</div>
						</li>
						<li class="usa-nav__primary-item">
							<a tabindex="0" class="" aria-controls="suitability-control-id">
								<span>Suitability</span>
							</a>
							<span class="nav-toggle" title="toggle suitability subnavigation" tabindex="0">
								<span class="AccessibilityInfo">Toggle submenu</span>
							</span>
							<div id="suitability-control-id" class="usa-nav__submenu usa-megamenu" style="display: none;">
								<ul class="usa-nav__submenu__inner">
									<li class="usa-nav__submenu-item">
										<a href="/suitability/suitability-executive-agent/"><span>Suitability Executive Agent</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/suitability/suitability-executive-agent/position-designation-tool/"><span>Position Designation Tool</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/suitability/suitability-executive-agent/suitability-adjudications/"><span>Suitability Adjudications</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/suitability/suitability-executive-agent/suitability-training/"><span>Suitability Training</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/suitability/suitability-executive-agent/oversight/"><span>Oversight</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/suitability/suitability-executive-agent/policy/"><span>Policy</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/suitability/suitability-and-credentialing-faqs/"><span>Frequently Asked Questions</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/suitability/contact-suitea/"><span>Contact SuitEA</span></a>
									</li>
								</ul>
							</div>
						</li>
						<li class="usa-nav__primary-item">
							<a tabindex="0" class="" aria-controls="agency-services-control-id">
								<span>Agency Services</span>
							</a>
							<span class="nav-toggle" title="toggle agency-services subnavigation" tabindex="0">
								<span class="AccessibilityInfo">Toggle submenu</span>
							</span>
							<div id="agency-services-control-id" class="usa-nav__submenu usa-megamenu" style="display: none;">
								<ul class="usa-nav__submenu__inner">
									<li class="usa-nav__submenu-item">
										<a href="/services-for-agencies/classification-job-design/"><span>Classification & Job Design</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/services-for-agencies/workforce-restructuring/"><span>Workforce Restructuring</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/services-for-agencies/workforce-succession-planning/"><span>Workforce & Succession Planning</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/services-for-agencies/recruiting-staffing-solutions/"><span>Recruiting & Staffing Solutions</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/services-for-agencies/assessment-evaluation/"><span>Assessment & Evaluation</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/services-for-agencies/federal-leadership-development-programs/"><span>Federal Leadership Programs</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/services-for-agencies/center-for-leadership-development/"><span>Center For Leadership Development</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/services-for-agencies/performance-management/"><span>Performance Management</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/services-for-agencies/telework-and-hybrid-solutions/"><span>Telework and Hybrid Solutions</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/services-for-agencies/technology-systems/"><span>Technology Systems</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/services-for-agencies/human-capital-industry-solutions/"><span>Human Capital Industry Solutions</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/services-for-agencies/hr-line-of-business/"><span>Human Resources Line of Business</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/services-for-agencies/human-resources-quality-services-management-office-hr-qsmo/"><span>Human Resources Quality Services Management Office</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/services-for-agencies/administrative-law-judges/"><span>Administrative Law Judges</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="http://www.feb.gov"><span>Federal Executive Boards</span></a>
									</li>
									<li class="usa-nav__submenu-item">
										<a href="/services-for-agencies/contact-agency-services/"><span>Contact Agency Services</span></a>
									</li>
								</ul>
							</div>
						</li>
						<li class="usa-nav__primary-item">
							<a tabindex="0" class="" aria-controls="operating-status-control-id">
								<span>Operating Status</span>
							</a>
							<div id="operating-status-control-id" class="usa-nav__submenu usa-megamenu" style="display: none;">
								<ul class="usa-nav__submenu__inner">
								</ul>
							</div>
						</li>
					</ul>
				</div>
				<div class="left-panel-bottom-2">
					<span class="nav-header">In this section</span>
				</div>
			</div>
</nav>
	</header>

	<header>
		<div id="Top_Wrapper" style="display:none;">
			<div class="MaxWidth_Container">
				<div id="VersionPlaceholder" class="DevBanner">

				</div>
				<div id="Top_Container">
					<ul id="SocialIcons">
						<li><a href="/leaving/index.aspx?link=http://www.facebook.com/USOPM" class="social_facebook" title="Fan us on Facebook">Facebook</a></li>
						<li><a href="/leaving/index.aspx?link=http://twitter.com/USOPM" class="social_twitter" title="Follow us on Twitter">Twitter</a></li>
					</ul>
					<ul id="TopLinks">
						<li class="First">A–Z Index</li>
						<li>Contact Us</li>
						<li>Forms</li>
						<li class="Last">FAQs</li>
					</ul>
					<div id="container_operatingstatus" tabindex="-1">
						<div class="label">Operating Status:</div>
						<div class="message loading" tabindex="-1"><a href="/policy-data-oversight/snow-dismissal-procedures/current-status/" tabindex="-1"><span tabindex="-1">Loading</span></a></div>
					</div>
					<div class="SearchBox">
						<form>
							<label id="SearchFor" for="SiteSearchString" class="SearchFor">Search for</label>
							<input type="text" name="SiteSearchString" id="SiteSearchString" class="txtSearch default" />
							<span>
								<input type="button" name="GoSearch" id="GoSearch" class="go" value="Go" onclick="return performSearch('SiteSearchString');" />
							</span>
						</form>
					</div>
					<a id="USBanner" href="/leaving/index.aspx?link=http://www.whitehouse.gov"><img src="/img/global/Flag.gif" alt="An official website of the United States Government." title="An official website of the United States Government." /></a>
				</div>
			</div>
		</div>
		<div id="Navigation_Container" style="display:none;">
			<div id="OPMLogo">
				<a href="/"><span>U.S. Office of Personnel Management</span></a>
			</div>
			<nav id="ContentPlaceHolderDefault_MainNavigation">
<ul id="MainNavigationList"><li class="about-us"><a href="/about-us/"><span>About</span></a><a class="toggleNavShow" href="#" tabindex="-1">
                Open "About" Submenu
              </a><div class="ddNavWrapper"><table cellpadding="0" cellspacing="0"><tr><td class="ddNavCorner ddNavCornerTL" /><td class="ddNavEdge ddNavEdgeTop" /><td class="ddNavCorner ddNavCornerTR" /></tr><tr><td class="ddNavEdge ddNavEdgeLeft" /><td class="ddNavBody HasFeaturedContent
						"><div class="SecondaryNav_Wrapper" parentnavitem="/about-us/"><ul class="SecondaryNav FirstColumn">
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		</ul><ul class="SecondaryNav SecondColumn">
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		</ul></div><div class="Featured_Container" parentpath="/about-us/" /></td><td class="ddNavEdge ddNavEdgeRight" /></tr><tr><td class="ddNavCorner ddNavCornerBL" /><td class="ddNavEdge ddNavEdgeBottom"><a class="toggleNavHide" href="#" tabindex="-1">Close Menu</a></td><td class="ddNavCorner ddNavCornerBR" /></tr></table></div>
					</li>
		<li class="policy"><a href="/policy-data-oversight/"><span>Policy</span></a><a class="toggleNavShow" href="#" tabindex="-1">
                Open "Policy" Submenu
              </a><div class="ddNavWrapper"><table cellpadding="0" cellspacing="0"><tr><td class="ddNavCorner ddNavCornerTL" /><td class="ddNavEdge ddNavEdgeTop" /><td class="ddNavCorner ddNavCornerTR" /></tr><tr><td class="ddNavEdge ddNavEdgeLeft" /><td class="ddNavBody HasFeaturedContent
						"><div class="SecondaryNav_Wrapper" parentnavitem="/policy-data-oversight/"><ul class="SecondaryNav FirstColumn">
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		</ul><ul class="SecondaryNav SecondColumn">
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		</ul></div><div class="Featured_Container" parentpath="/policy-data-oversight/" /></td><td class="ddNavEdge ddNavEdgeRight" /></tr><tr><td class="ddNavCorner ddNavCornerBL" /><td class="ddNavEdge ddNavEdgeBottom"><a class="toggleNavHide" href="#" tabindex="-1">Close Menu</a></td><td class="ddNavCorner ddNavCornerBR" /></tr></table></div>
					</li>
		<li class="insurance current"><a href="/healthcare-insurance/"><span>Insurance</span></a><a class="toggleNavShow" href="#" tabindex="-1">
                Open "Insurance" Submenu
              </a><div class="ddNavWrapper"><table cellpadding="0" cellspacing="0"><tr><td class="ddNavCorner ddNavCornerTL" /><td class="ddNavEdge ddNavEdgeTop" /><td class="ddNavCorner ddNavCornerTR" /></tr><tr><td class="ddNavEdge ddNavEdgeLeft" /><td class="ddNavBody HasFeaturedContent
						"><div class="SecondaryNav_Wrapper" parentnavitem="/healthcare-insurance/"><ul class="SecondaryNav FirstColumn">
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		</ul><ul class="SecondaryNav SecondColumn">
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		</ul></div><div class="Featured_Container" parentpath="/healthcare-insurance/" /></td><td class="ddNavEdge ddNavEdgeRight" /></tr><tr><td class="ddNavCorner ddNavCornerBL" /><td class="ddNavEdge ddNavEdgeBottom"><a class="toggleNavHide" href="#" tabindex="-1">Close Menu</a></td><td class="ddNavCorner ddNavCornerBR" /></tr></table></div>
					</li>
		<li class="retirement"><a href="/retirement-center/"><span>Retirement</span></a><a class="toggleNavShow" href="#" tabindex="-1">
                Open "Retirement" Submenu
              </a><div class="ddNavWrapper"><table cellpadding="0" cellspacing="0"><tr><td class="ddNavCorner ddNavCornerTL" /><td class="ddNavEdge ddNavEdgeTop" /><td class="ddNavCorner ddNavCornerTR" /></tr><tr><td class="ddNavEdge ddNavEdgeLeft" /><td class="ddNavBody HasFeaturedContent
						"><div class="SecondaryNav_Wrapper" parentnavitem="/retirement-center/"><ul class="SecondaryNav FirstColumn">
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		</ul><ul class="SecondaryNav SecondColumn">
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		</ul></div><div class="Featured_Container" parentpath="/retirement-center/" /></td><td class="ddNavEdge ddNavEdgeRight" /></tr><tr><td class="ddNavCorner ddNavCornerBL" /><td class="ddNavEdge ddNavEdgeBottom"><a class="toggleNavHide" href="#" tabindex="-1">Close Menu</a></td><td class="ddNavCorner ddNavCornerBR" /></tr></table></div>
					</li>
		<li class="investigations"><a href="/suitability/"><span>Suitability</span></a><a class="toggleNavShow" href="#" tabindex="-1">
                Open "Suitability" Submenu
              </a><div class="ddNavWrapper"><table cellpadding="0" cellspacing="0"><tr><td class="ddNavCorner ddNavCornerTL" /><td class="ddNavEdge ddNavEdgeTop" /><td class="ddNavCorner ddNavCornerTR" /></tr><tr><td class="ddNavEdge ddNavEdgeLeft" /><td class="ddNavBody HasFeaturedContent
						"><div class="SecondaryNav_Wrapper" parentnavitem="/suitability/"><ul class="SecondaryNav">
		
		
		
		
		
		
		
		</ul></div><div class="Featured_Container" parentpath="/suitability/" /></td><td class="ddNavEdge ddNavEdgeRight" /></tr><tr><td class="ddNavCorner ddNavCornerBL" /><td class="ddNavEdge ddNavEdgeBottom"><a class="toggleNavHide" href="#" tabindex="-1">Close Menu</a></td><td class="ddNavCorner ddNavCornerBR" /></tr></table></div>
					</li>
		<li class="services"><a href="/services-for-agencies/"><span>Agency Services</span></a><a class="toggleNavShow" href="#" tabindex="-1">
                Open "Agency Services" Submenu
              </a><div class="ddNavWrapper"><table cellpadding="0" cellspacing="0"><tr><td class="ddNavCorner ddNavCornerTL" /><td class="ddNavEdge ddNavEdgeTop" /><td class="ddNavCorner ddNavCornerTR" /></tr><tr><td class="ddNavEdge ddNavEdgeLeft" /><td class="ddNavBody HasFeaturedContent
						"><div class="SecondaryNav_Wrapper" parentnavitem="/services-for-agencies/"><ul class="SecondaryNav FirstColumn">
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		</ul><ul class="SecondaryNav SecondColumn">
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		</ul></div><div class="Featured_Container" parentpath="/services-for-agencies/" /></td><td class="ddNavEdge ddNavEdgeRight" /></tr><tr><td class="ddNavCorner ddNavCornerBL" /><td class="ddNavEdge ddNavEdgeBottom"><a class="toggleNavHide" href="#" tabindex="-1">Close Menu</a></td><td class="ddNavCorner ddNavCornerBR" /></tr></table></div>
					</li>
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		<li class=""><a href="/policy-data-oversight/snow-dismissal-procedures/current-status/"><span>Operating Status</span></a></li>
		
		
		
		
		
		
		
		
		
		
		
		
		</ul>
			</nav>
			<a href="#MainNavigation_Responsive" style="display: none; visibility: hidden;" class="menu-link">☰</a>
			<div id="MainNavigation_Responsive" style="display: none; visibility: hidden;" class="panel" role="navigation">
<ul id="MainNavigationList"><li class="about-us"><a href="/about-us/"><span>About</span></a><a class="toggleNavShow" href="#" tabindex="-1">
                Open "About" Submenu
              </a><div class="ddNavWrapper"><table cellpadding="0" cellspacing="0"><tr><td class="ddNavCorner ddNavCornerTL" /><td class="ddNavEdge ddNavEdgeTop" /><td class="ddNavCorner ddNavCornerTR" /></tr><tr><td class="ddNavEdge ddNavEdgeLeft" /><td class="ddNavBody HasFeaturedContent
						"><div class="SecondaryNav_Wrapper" parentnavitem="/about-us/"><ul class="SecondaryNav FirstColumn">
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		</ul><ul class="SecondaryNav SecondColumn">
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		</ul></div><div class="Featured_Container" parentpath="/about-us/" /></td><td class="ddNavEdge ddNavEdgeRight" /></tr><tr><td class="ddNavCorner ddNavCornerBL" /><td class="ddNavEdge ddNavEdgeBottom"><a class="toggleNavHide" href="#" tabindex="-1">Close Menu</a></td><td class="ddNavCorner ddNavCornerBR" /></tr></table></div>
					</li>
		<li class="policy"><a href="/policy-data-oversight/"><span>Policy</span></a><a class="toggleNavShow" href="#" tabindex="-1">
                Open "Policy" Submenu
              </a><div class="ddNavWrapper"><table cellpadding="0" cellspacing="0"><tr><td class="ddNavCorner ddNavCornerTL" /><td class="ddNavEdge ddNavEdgeTop" /><td class="ddNavCorner ddNavCornerTR" /></tr><tr><td class="ddNavEdge ddNavEdgeLeft" /><td class="ddNavBody HasFeaturedContent
						"><div class="SecondaryNav_Wrapper" parentnavitem="/policy-data-oversight/"><ul class="SecondaryNav FirstColumn">
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		</ul><ul class="SecondaryNav SecondColumn">
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		</ul></div><div class="Featured_Container" parentpath="/policy-data-oversight/" /></td><td class="ddNavEdge ddNavEdgeRight" /></tr><tr><td class="ddNavCorner ddNavCornerBL" /><td class="ddNavEdge ddNavEdgeBottom"><a class="toggleNavHide" href="#" tabindex="-1">Close Menu</a></td><td class="ddNavCorner ddNavCornerBR" /></tr></table></div>
					</li>
		<li class="insurance current"><a href="/healthcare-insurance/"><span>Insurance</span></a><a class="toggleNavShow" href="#" tabindex="-1">
                Open "Insurance" Submenu
              </a><div class="ddNavWrapper"><table cellpadding="0" cellspacing="0"><tr><td class="ddNavCorner ddNavCornerTL" /><td class="ddNavEdge ddNavEdgeTop" /><td class="ddNavCorner ddNavCornerTR" /></tr><tr><td class="ddNavEdge ddNavEdgeLeft" /><td class="ddNavBody HasFeaturedContent
						"><div class="SecondaryNav_Wrapper" parentnavitem="/healthcare-insurance/"><ul class="SecondaryNav FirstColumn">
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		</ul><ul class="SecondaryNav SecondColumn">
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		</ul></div><div class="Featured_Container" parentpath="/healthcare-insurance/" /></td><td class="ddNavEdge ddNavEdgeRight" /></tr><tr><td class="ddNavCorner ddNavCornerBL" /><td class="ddNavEdge ddNavEdgeBottom"><a class="toggleNavHide" href="#" tabindex="-1">Close Menu</a></td><td class="ddNavCorner ddNavCornerBR" /></tr></table></div>
					</li>
		<li class="retirement"><a href="/retirement-center/"><span>Retirement</span></a><a class="toggleNavShow" href="#" tabindex="-1">
                Open "Retirement" Submenu
              </a><div class="ddNavWrapper"><table cellpadding="0" cellspacing="0"><tr><td class="ddNavCorner ddNavCornerTL" /><td class="ddNavEdge ddNavEdgeTop" /><td class="ddNavCorner ddNavCornerTR" /></tr><tr><td class="ddNavEdge ddNavEdgeLeft" /><td class="ddNavBody HasFeaturedContent
						"><div class="SecondaryNav_Wrapper" parentnavitem="/retirement-center/"><ul class="SecondaryNav FirstColumn">
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		</ul><ul class="SecondaryNav SecondColumn">
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		</ul></div><div class="Featured_Container" parentpath="/retirement-center/" /></td><td class="ddNavEdge ddNavEdgeRight" /></tr><tr><td class="ddNavCorner ddNavCornerBL" /><td class="ddNavEdge ddNavEdgeBottom"><a class="toggleNavHide" href="#" tabindex="-1">Close Menu</a></td><td class="ddNavCorner ddNavCornerBR" /></tr></table></div>
					</li>
		<li class="investigations"><a href="/suitability/"><span>Suitability</span></a><a class="toggleNavShow" href="#" tabindex="-1">
                Open "Suitability" Submenu
              </a><div class="ddNavWrapper"><table cellpadding="0" cellspacing="0"><tr><td class="ddNavCorner ddNavCornerTL" /><td class="ddNavEdge ddNavEdgeTop" /><td class="ddNavCorner ddNavCornerTR" /></tr><tr><td class="ddNavEdge ddNavEdgeLeft" /><td class="ddNavBody HasFeaturedContent
						"><div class="SecondaryNav_Wrapper" parentnavitem="/suitability/"><ul class="SecondaryNav">
		
		
		
		
		
		
		
		</ul></div><div class="Featured_Container" parentpath="/suitability/" /></td><td class="ddNavEdge ddNavEdgeRight" /></tr><tr><td class="ddNavCorner ddNavCornerBL" /><td class="ddNavEdge ddNavEdgeBottom"><a class="toggleNavHide" href="#" tabindex="-1">Close Menu</a></td><td class="ddNavCorner ddNavCornerBR" /></tr></table></div>
					</li>
		<li class="services"><a href="/services-for-agencies/"><span>Agency Services</span></a><a class="toggleNavShow" href="#" tabindex="-1">
                Open "Agency Services" Submenu
              </a><div class="ddNavWrapper"><table cellpadding="0" cellspacing="0"><tr><td class="ddNavCorner ddNavCornerTL" /><td class="ddNavEdge ddNavEdgeTop" /><td class="ddNavCorner ddNavCornerTR" /></tr><tr><td class="ddNavEdge ddNavEdgeLeft" /><td class="ddNavBody HasFeaturedContent
						"><div class="SecondaryNav_Wrapper" parentnavitem="/services-for-agencies/"><ul class="SecondaryNav FirstColumn">
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		</ul><ul class="SecondaryNav SecondColumn">
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		</ul></div><div class="Featured_Container" parentpath="/services-for-agencies/" /></td><td class="ddNavEdge ddNavEdgeRight" /></tr><tr><td class="ddNavCorner ddNavCornerBL" /><td class="ddNavEdge ddNavEdgeBottom"><a class="toggleNavHide" href="#" tabindex="-1">Close Menu</a></td><td class="ddNavCorner ddNavCornerBR" /></tr></table></div>
					</li>
		
		
		
		
		
		
		
		
		
		
		
		
		
		
		<li class=""><a href="/policy-data-oversight/snow-dismissal-procedures/current-status/"><span>Operating Status</span></a></li>
		
		
		
		
		
		
		
		
		
		
		
		
		</ul>
			</div>
			<div id="responsiveSearch" style="display: none; visibility: hidden;">
				<a href="/search/"><img src="/img/global/ico-search.png" alt="Search Button" /></a>
			</div>
		</div>
	</header>

	<a name="precontent"></a>
	
	
    <main class="usa-layout-docs__main desktop:grid-col-auto usa-layout-docs" id="main-content">
        <section class="usa-section opm-breadcrumbs">
            <div class="grid-container">
                <div class="grid-col-10" itemscope="" itemtype="https://schema.org/BreadcrumbList">
                    <span itemprop="itemListElement" itemscope="" itemtype="https://schema.org/ListItem"><a itemprop="item" href="/" class="level0 parent usa-link"><span itemprop="name">OPM.gov</span></a><span> / </span><meta itemprop="position" content="0"></span><span itemprop="itemListElement" itemscope="" itemtype="https://schema.org/ListItem"><a itemprop="item" href="/healthcare-insurance/" class="level1 parent usa-link"><span itemprop="name">Insurance</span></a><span> / </span><meta itemprop="position" content="1"></span><span itemprop="itemListElement" itemscope="" itemtype="https://schema.org/ListItem"><a itemprop="item" href="/healthcare-insurance/tribal-employers/" class="level2 parent usa-link"><span itemprop="name">Tribal Employers</span></a><span> / </span><meta itemprop="position" content="2"></span><span itemprop="itemListElement" itemscope="" itemtype="https://schema.org/ListItem" class="current"><span itemprop="name">Health Insurance for Employees</span><meta itemprop="position" content="3"></span>
                </div>
            </div>
        </section>
        <script type="application/ld+json">
			[{
				"@context": "https://schema.org",
				"@type": "BreadcrumbList",
					"itemListElement": [
						{"@type": "ListItem","position": 1,"name": "Insurance","item": "https://www.opm.gov/healthcare-insurance/"},{"@type": "ListItem","position": 2,"name": "Tribal Employers","item": "https://www.opm.gov/healthcare-insurance/tribal-employers/"},{"@type": "ListItem","position": 3,"name": "Health Insurance for Employees","item": "https://www.opm.gov/healthcare-insurance/tribal-employers/health-insurance/"}
					]
			}]
        </script>
                

        
	



        <div class="grid-container">
            <div class="grid-row">
                <a id="page-navigation"></a>
                    <div class="grid-col-3  " id="SideNavContainer">
<div class="grid-row grid-gap"><a class="usa-skipnav skipnav" href="#main-main-content">Skip to main content</a><div id="SideNavigation" class="tablet:grid-col, SideNavContainer"><nav aria-label="Secondary navigation," id="SideNav"><h3>In this section</h3><ul class="usa-sidenav" id="SecondaryNavigation"><li class="usa-sidenav__item collapsed first"><a href="/healthcare-insurance/open-season/" class="">Open Season</a><a href="#toggle" class="toggleSecNav">Toggle submenu</a><ul class="usa-sidenav__sublist"><li class="usa-sidenav__item  first"><a href="/healthcare-insurance/open-season/active-federal-employees/" class="">Active Federal Employees</a></li>
				<li class="usa-sidenav__item "><a href="/healthcare-insurance/open-season/federal-retirees-other-annuitants/" class="">Federal Retirees & Other Annuitants</a></li>
				<li class="usa-sidenav__item "><a href="/healthcare-insurance/open-season/tribal-employees/" class="">Tribal Employees</a></li>
				<li class="usa-sidenav__item "><a href="https://www.benefeds.com" class="">Uniformed Services</a></li>
				</ul></li>
				<li class="usa-sidenav__item collapsed"><a href="/healthcare-insurance/life-events/" class="">Life Events</a><a href="#toggle" class="toggleSecNav">Toggle submenu</a><ul class="usa-sidenav__sublist"><li class="usa-sidenav__item  first"><a href="/healthcare-insurance/life-events/memy-family/" class="">Me/My Family</a></li>
				<li class="usa-sidenav__item "><a href="/healthcare-insurance/life-events/job/" class="">Job</a></li>
				<li class="usa-sidenav__item "><a href="/healthcare-insurance/life-events/retirement/" class="">Retirement</a></li>
				</ul></li>
				<li class="usa-sidenav__item collapsed"><a href="/healthcare-insurance/changes-in-health-coverage/" class="">Changes in Health Coverage</a><a href="#toggle" class="toggleSecNav">Toggle submenu</a><ul class="usa-sidenav__sublist"><li class="usa-sidenav__item  first"><a href="/healthcare-insurance/changes-in-health-coverage/eligibility-enrollment/" class="">Eligibility & Enrollment</a></li>
				<li class="usa-sidenav__item "><a href="/healthcare-insurance/changes-in-health-coverage/changes-in-health-coverage-faqs/" class="">Changes in Health Coverage FAQs</a></li>
				</ul></li>
				<li class="usa-sidenav__item collapsed"><a href="/healthcare-insurance/healthcare/" class="">Healthcare</a><a href="#toggle" class="toggleSecNav">Toggle submenu</a><ul class="usa-sidenav__sublist"><li class="usa-sidenav__item  first"><a href="/healthcare-insurance/healthcare/eligibility/" class="">Eligibility</a></li>
				<li class="usa-sidenav__item "><a href="/healthcare-insurance/healthcare/enrollment/" class="">Enrollment</a></li>
				<li class="usa-sidenav__item "><a href="/healthcare-insurance/healthcare/temporary-continuation-of-coverage/" class="">Temporary Continuation of Coverage</a></li>
				<li class="usa-sidenav__item collapsed"><a href="/healthcare-insurance/healthcare/medicare/" class="">Medicare</a><a href="#toggle" class="toggleSecNav">Toggle submenu</a><ul class="usa-sidenav__sublist"><li class="usa-sidenav__item  first"><a href="/healthcare-insurance/healthcare/medicare/coordination-of-medicare-and-fehb-benefits/" class="">Coordination of Medicare and FEHB Benefits</a></li>
				<li class="usa-sidenav__item "><a href="/healthcare-insurance/healthcare/medicare/letter-from-opm-about-medicare-part-d/" class="">Letter from OPM about Medicare Part D</a></li>
				<li class="usa-sidenav__item "><a href="/healthcare-insurance/healthcare/medicare/medicare-vs-fehb-enrollment/" class="">Medicare vs FEHB Enrollment</a></li>
				<li class="usa-sidenav__item "><a href="/healthcare-insurance/healthcare/medicare/medigap-coverage/" class="">Medigap Coverage</a></li>
				<li class="usa-sidenav__item "><a href="/healthcare-insurance/healthcare/medicare/medicare-part-b-coverage/" class="">Medicare Part B Coverage</a></li>
				<li class="usa-sidenav__item "><a href="/healthcare-insurance/healthcare/medicare/medicare-prescription-drug-plan/" class="">Medicare Prescription Drug Plan</a></li>
				</ul></li>
				<li class="usa-sidenav__item collapsed"><a href="/healthcare-insurance/healthcare/transparency-in-healthcare/" class="">Transparency in Healthcare</a><a href="#toggle" class="toggleSecNav">Toggle submenu</a><ul class="usa-sidenav__sublist"><li class="usa-sidenav__item  first"><a href="/healthcare-insurance/healthcare/transparency-in-healthcare/public-use-files/" class="">Public Use Files</a></li>
				</ul></li>
				<li class="usa-sidenav__item "><a href="/healthcare-insurance/healthcare/health-savings-accounts/" class="">Health Savings Accounts</a></li>
				<li class="usa-sidenav__item "><a href="/healthcare-insurance/healthcare/contraception-coverage/" class="">Contraception Coverage</a></li>
				<li class="usa-sidenav__item "><a href="/healthcare-insurance/healthcare/consumer-protections/" class="">Consumer Protections</a></li>
				<li class="usa-sidenav__item collapsed"><a href="/healthcare-insurance/healthcare/plan-information/" class="">Plan Information</a><a href="#toggle" class="toggleSecNav">Toggle submenu</a><ul class="usa-sidenav__sublist"><li class="usa-sidenav__item  first"><a href="/healthcare-insurance/healthcare/plan-information/compare-plans/" class="">Compare Plans</a><a href="#toggle" class="toggleSecNav">Toggle submenu</a></li>
				<li class="usa-sidenav__item "><a href="/healthcare-insurance/healthcare/plan-information/plan-types/" class="">Plan Types</a></li>
				<li class="usa-sidenav__item "><a href="/healthcare-insurance/healthcare/plan-information/summary-of-benefits/" class="">Summary of Benefits</a></li>
				<li class="usa-sidenav__item "><a href="/healthcare-insurance/healthcare/plan-information/plans/" class="">Plans</a></li>
				<li class="usa-sidenav__item "><a href="/healthcare-insurance/healthcare/plan-information/enroll/" class="">Enroll</a></li>
				<li class="usa-sidenav__item "><a href="/healthcare-insurance/healthcare/plan-information/guides/" class="">Guides</a></li>
				<li class="usa-sidenav__item "><a href="/healthcare-insurance/healthcare/plan-information/premiums/" class="">Premiums</a></li>
				<li class="usa-sidenav__item "><a href="/healthcare-insurance/healthcare/plan-information/previous-years/" class="">Previous Years</a></li>
				<li class="usa-sidenav__item "><a href="/healthcare-insurance/healthcare/plan-information/quality-healthcare-scores/" class="">Compare Quality</a></li>
				</ul></li>
				<li class="usa-sidenav__item collapsed"><a href="/healthcare-insurance/healthcare/reference-materials/" class="">Reference Materials</a><a href="#toggle" class="toggleSecNav">Toggle submenu</a><ul class="usa-sidenav__sublist"><li class="usa-sidenav__item  first"><a href="/healthcare-insurance/healthcare/reference-materials/fehb-handbook/" class="">FEHB Handbook</a></li>
				<li class="usa-sidenav__item "><a href="/healthcare-insurance/healthcare/reference-materials/attorney-handbook/" class="">Attorney Handbook</a></li>
				<li class="usa-sidenav__item "><a href="/healthcare-insurance/healthcare/reference-materials/reference/federal-employees-receiving-premium-conversion-tax-benefits/" class="">Federal Employees Receiving Premium Conversion Tax Benefits</a></li>
				<li class="usa-sidenav__item "><a href="/healthcare-insurance/healthcare/reference-materials/bill-of-rights/" class="">Bill of Rights</a></li>
				<li class="usa-sidenav__item "><a href="/healthcare-insurance/healthcare/reference-materials/hit/" class="">HIT</a></li>
				<li class="usa-sidenav__item "><a href="/healthcare-insurance/healthcare/reference-materials/premium-conversion/" class="">Premium Conversion</a></li>
				<li class="usa-sidenav__item "><a href="/healthcare-insurance/healthcare/reference-materials/reporting-guidance/" class="">Reporting Guidance</a></li>
				</ul></li>
				</ul></li>
				<li class="usa-sidenav__item "><a href="/healthcare-insurance/healthcare/plan-information/compare-plans/" class="">FEHB Plan Comparison Tool</a></li>
				<li class="usa-sidenav__item collapsed"><a href="/healthcare-insurance/dental-vision/" class="">Dental & Vision</a><a href="#toggle" class="toggleSecNav">Toggle submenu</a><ul class="usa-sidenav__sublist"><li class="usa-sidenav__item  first"><a href="/healthcare-insurance/dental-vision/eligibility/" class="">Eligibility</a></li>
				<li class="usa-sidenav__item "><a href="/healthcare-insurance/dental-vision/enrollment/" class="">Enrollment</a></li>
				<li class="usa-sidenav__item "><a href="/healthcare-insurance/dental-vision/plan-information/plan-premiums/" class="">Premiums</a></li>
				<li class="usa-sidenav__item "><a href="/healthcare-insurance/dental-vision/plan-information/benefits-administration-letters/" class="">Benefits Administration Letters</a></li>
				<li class="usa-sidenav__item "><a href="/healthcare-insurance/dental-vision/plan-information/plans/vision" class="">Vision</a></li>
				<li class="usa-sidenav__item "><a href="/healthcare-insurance/dental-vision/plan-information/plans/dental" class="">Dental</a></li>
				<li class="usa-sidenav__item "><a href="/healthcare-insurance/dental-vision/reference-materials/" class="">Reference Materials</a></li>
				</ul></li>
				<li class="usa-sidenav__item "><a href="/healthcare-insurance/healthcare/plan-information/compare-plans/fedvip/" class="">FEDVIP Plan Comparison Tool</a></li>
				<li class="usa-sidenav__item collapsed"><a href="/healthcare-insurance/life-insurance/" class="">Life Insurance</a><a href="#toggle" class="toggleSecNav">Toggle submenu</a><ul class="usa-sidenav__sublist"><li class="usa-sidenav__item  first"><a href="/healthcare-insurance/life-insurance/eligibility/" class="">Eligibility</a></li>
				<li class="usa-sidenav__item "><a href="/healthcare-insurance/life-insurance/enrollment/" class="">Enrollment</a></li>
				<li class="usa-sidenav__item "><a href="/healthcare-insurance/life-insurance/program-information/" class="">Program Information</a></li>
				<li class="usa-sidenav__item "><a href="/healthcare-insurance/life-insurance/death-claims/" class="">Death Claims</a></li>
				<li class="usa-sidenav__item "><a href="/healthcare-insurance/life-insurance/designating-a-beneficiary/" class="">Designating a Beneficiary</a></li>
				<li class="usa-sidenav__item "><a href="/healthcare-insurance/life-insurance/reference-materials/" class="">Reference Materials</a></li>
				</ul></li>
				<li class="usa-sidenav__item collapsed"><a href="/healthcare-insurance/flexible-spending-accounts/" class="">Flexible Spending Accounts</a><a href="#toggle" class="toggleSecNav">Toggle submenu</a><ul class="usa-sidenav__sublist"><li class="usa-sidenav__item  first"><a href="/healthcare-insurance/flexible-spending-accounts/enrollment/" class="">Enrollment</a></li>
				<li class="usa-sidenav__item "><a href="/healthcare-insurance/flexible-spending-accounts/reference-materials/" class="">Reference Materials</a></li>
				</ul></li>
				<li class="usa-sidenav__item collapsed"><a href="/healthcare-insurance/long-term-care/" class="">Long Term Care</a><a href="#toggle" class="toggleSecNav">Toggle submenu</a><ul class="usa-sidenav__sublist"><li class="usa-sidenav__item  first"><a href="/healthcare-insurance/long-term-care/program-information/" class="">Program Information</a></li>
				<li class="usa-sidenav__item "><a href="/healthcare-insurance/long-term-care/reference-materials/" class="">Reference Materials</a></li>
				</ul></li>
				<li class="usa-sidenav__item "><a href="/healthcare-insurance/multi-state-plan-program/issuer/" class="">Issuer</a></li>
				<li class="usa-sidenav__item expanded current-section"><a href="/healthcare-insurance/tribal-employers/" class=" usa-current">Tribal Employers</a><a href="#toggle" class="toggleSecNav">Toggle submenu</a><ul class="usa-sidenav__sublist"><li class="usa-sidenav__item  current first"><a href="/healthcare-insurance/tribal-employers/health-insurance/" class=" usa-current">Health Insurance for Employees</a></li>
				<li class="usa-sidenav__item "><a href="/healthcare-insurance/tribal-employers/premiums/" class="">Premiums</a></li>
				<li class="usa-sidenav__item "><a href="/healthcare-insurance/tribal-employers/hr-personnel/" class="">HR Personnel</a></li>
				<li class="usa-sidenav__item "><a href="/healthcare-insurance/tribal-employers/faqs/" class="">Indian Tribes FAQs</a></li>
				<li class="usa-sidenav__item "><a href="/healthcare-insurance/tribal-employers/reference-materials/" class="">Reference Materials</a></li>
				<li class="usa-sidenav__item "><a href="/healthcare-insurance/tribal-employers/plan-information/compare-plans/" class="">Compare Plans</a></li>
				<li class="usa-sidenav__item "><a href="/healthcare-insurance/tribal-employers/plan-information/plan-types/" class="">Plan Types</a></li>
				<li class="usa-sidenav__item "><a href="/healthcare-insurance/tribal-employers/plan-information/summary-of-benefits/" class="">Summary of Benefits</a></li>
				<li class="usa-sidenav__item "><a href="/healthcare-insurance/tribal-employers/plan-information/plans/" class="">Plans</a></li>
				<li class="usa-sidenav__item "><a href="/healthcare-insurance/tribal-employers/plan-information/previous-years/" class="">Previous Years</a></li>
				</ul></li>
				<li class="usa-sidenav__item collapsed"><a href="/healthcare-insurance/special-initiatives/" class="">Special Initiatives</a><a href="#toggle" class="toggleSecNav">Toggle submenu</a><ul class="usa-sidenav__sublist"><li class="usa-sidenav__item  first"><a href="/healthcare-insurance/special-initiatives/health-care-reform/" class="">Health Care Reform</a></li>
				<li class="usa-sidenav__item "><a href="/healthcare-insurance/special-initiatives/going-green/" class="">Going Green</a></li>
				<li class="usa-sidenav__item "><a href="/healthcare-insurance/special-initiatives/quit-smoking/" class="">Quit Smoking</a></li>
				<li class="usa-sidenav__item "><a href="/healthcare-insurance/special-initiatives/managing-my-own-health/" class="">Managing My Own Health</a></li>
				<li class="usa-sidenav__item "><a href="/healthcare-insurance/special-initiatives/self-plus-one/" class="">Self Plus One</a></li>
				</ul></li>
				<li class="usa-sidenav__item "><a href="/healthcare-insurance/insurance-glossary/" class="">Insurance Glossary</a></li>
				<li class="usa-sidenav__item collapsed"><a href="/healthcare-insurance/insurance-faqs/" class="">Insurance FAQs</a><a href="#toggle" class="toggleSecNav">Toggle submenu</a><ul class="usa-sidenav__sublist"><li class="usa-sidenav__item  first"><a href="/healthcare-insurance/insurance-faqs/health/" class="">Health</a></li>
				<li class="usa-sidenav__item "><a href="/healthcare-insurance/insurance-faqs/dental-vision/" class="">Dental & Vision</a></li>
				<li class="usa-sidenav__item "><a href="/healthcare-insurance/insurance-faqs/flexible-spending-account/" class="">Flexible Spending Account</a></li>
				<li class="usa-sidenav__item "><a href="/healthcare-insurance/insurance-faqs/life/" class="">Life</a></li>
				</ul></li>
				<li class="usa-sidenav__item "><a href="/healthcare-insurance/contact-healthcare-insurance/" class="">Contact Healthcare & Insurance</a></li>
				<li class="usa-sidenav__item "><a href="/healthcare-insurance/affordable-care-act/" class="">The Affordable Care Act</a></li>
				<li class="usa-sidenav__item collapsed"><a href="/healthcare-insurance/carriers/" class="">Carriers</a><a href="#toggle" class="toggleSecNav">Toggle submenu</a><ul class="usa-sidenav__sublist"><li class="usa-sidenav__item  first"><a href="/healthcare-insurance/carriers/fehb/" class="">FEHB Carriers</a></li>
				<li class="usa-sidenav__item "><a href="/healthcare-insurance/carriers/pshb/" class="">PSHB Carriers</a></li>
				<li class="usa-sidenav__item "><a href="/healthcare-insurance/carriers/dental-vision-carriers/" class="">Dental & Vision Carriers</a></li>
				</ul></li>
				<li class="usa-sidenav__item "><a href="/healthcare-insurance/pshb/" class="">Postal Service Health Benefits Program</a></li>
				</ul></nav></div></div>                    
<div id="SideNavAudiences">
<h3>Resources For</h3>
<ul id="SideNavAudience">
<li><a title="New/Prospective Employees" href="/healthcare-insurance/Guide-Me/New-Prospective-Employees/">New / Prospective Employees</a></li>
<li><a title="Federal Employees" href="/healthcare-insurance/Guide-Me/Federal-Employees/">Federal Employees & Annuitants</a></li>
<li><a title="Benefits Officers" href="/healthcare-insurance/Guide-Me/Benefits-Officers/">Benefits Officers</a></li>
</ul>
</div>                </div>
                <a name="content"></a>
                <div class="grid-col" id="main-main-content">
                    
        <div id="global-message-placeholder" class="grid-container"></div>


        <section class="usa-section body-content">

            <div class="grid-container ">
                <div class="grid-col-12">
                    <div class="usa-prose">
                        <h1>Health Insurance</h1>
                    </div>
                </div>

				




    <div class="TabNavigation"> </div>
                <section class="tab-content" title="Overview">
                        <h1>Overview</h1>
                                    <div class="ContentBody">



                    <blockquote class="callOut">The Office of Personnel Management has changed its policy concerning the participation of tribal employers* to make it easier for them to enroll their employees in the Federal Employees Health Benefits (FEHB) Program.  <a title="New Flexibility for Tribal Employer Participation" class="PDF" href="/healthcare-insurance/tribal-employers/hr-personnel/outreach-documents/new-flexibility-for-tribal-employer-participation.pdf" data-filesize="88.09 KB">Learn More</a></blockquote>
<p>The FEHB Program offers a wide variety of plans and coverage to help you meet your health care needs. The Program is available to eligible employees and eligible family members of entitled and enrolled Tribes or tribal organizations carrying out programs under the Indian Self-Determination and Education Assistance Act (ISDEAA) or the Tribally Controlled Schools Act of 1988 (TCSA) (25 U.S.C. 2501 et seq.) and urban Indian organizations carrying out programs under Title V of the Indian Health Care Improvement Act (IHCIA) . The FEHB Program is administered by the Office of Personnel Management (OPM).</p>
<p>An important hallmark of the FEHB Program is providing choice and competition. The Program is open to every eligible employee regardless of health status. Every employee has the opportunity to choose the plan that best suits the employee's individual needs.</p>
<p>The FEHB Program offers a wide selection of health plans for eligible employees and their eligible family members. Eligible employees may choose from:</p>
<ul>
<li>Fee-for-Service (FFS) plans and their Preferred Provider Organizations (PPOs);</li>
<li>Health Maintenance Organizations (HMOs) for those who live within the geographic area serviced by the plan; and</li>
<li>Consumer-Driven and High Deductible health plans that offer catastrophic risk protection with higher deductibles, health savings/reimbursement accounts, and lower premiums.</li>
</ul>
<p>Use this site to compare the costs, benefits, and features of different plans. When choosing a health plan, OPM urges you to consider the total benefit package including the premium, covered benefits, out-of-pocket costs, and plan provider (PPO or HMO) availability.</p>
<p>The plan brochures show you what services and supplies are covered and the level of coverage. Review the brochures carefully. The brochures are formatted to ensure they are all organized alike. You can get brochures from the health plans, your tribal employer, or view plan brochures online. Be informed when it comes to your health care.</p>
<div class="Note">
<p><strong>* Note:</strong> The term tribal employers is used to designate tribes, tribal employers, tribally controlled schools and urban Indian organizations.</p>
</div>
<p>Use the FEHB Plan Comparison Tool to view and compare health plans.</p>


                    


                            <div class="grid-col-12 ">
                                <div class="usa-summary-box SideBar" role="region">
                                    <div class="usa-summary-box__body">
<h2><img src="/media/4492110/fehb_sidebar.gif" width="205" height="156" alt="tribal-fehb-logo" /></h2>
<h2>Related Information</h2>
<ul>
<li><a title="Plan Information" href="/healthcare-insurance/tribal-employers/plan-information/">Plan Information</a></li>
<li><a title="Premiums" href="#">Rates</a></li>
<li><a title="Compare Health Plans" href="/healthcare-insurance/healthcare/plan-information/compare-plans/">Compare Health Plans</a></li>
<li><a title="sf2809" class="PDF" href="/forms/pdf_fill/sf2809.pdf" data-filesize="1.46 MB">SF 2809 - Employee Health Benefits Registration Form</a></li>
<li><a title="sf2810" class="PDF" href="/forms/pdf_fill/sf2810.pdf" data-filesize="134.05 KB">SF 2810 - Notice of Change in Health Benefits Enrollment Form</a></li>
<li><a class="pdf" href="/healthcare-insurance/tribal-employers/health-insurance/quickguide.pdf" data-filesize="255 KB">Quick Guide to FEHB for Tribal Employees</a></li>
<li><a class="pdf" href="/healthcare-insurance/fastfacts/tribal-employees-health.pdf" data-filesize="128 KB">FEHB for New/Newly eligible Tribal Employees</a></li>
<li><a title="handbook highlights" class="PDF" href="/healthcare-insurance/tribal-employers/reference-materials/handbook-highlights.pdf" data-filesize="252.16 KB">Handbook Highlights</a></li>
<li>Contact Us</li>
</ul>                                                                                                                    </div>
                                </div>
                            </div>
                </div>
                </section>
                <section class="tab-content" title="Eligibility">
                        <h1>FEHB Eligibility</h1>
                                    <div class="ContentBody">



                    <p>If a tribe, tribal organization, tribally controlled school or urban Indian organization participates in FEHB, the tribe employee can elect FEHB coverage, unless their position is excluded by law or regulation. The human resources officer of the tribe, tribal organization, tribally controlled school or urban Indian organization applies these rules and determines your eligibility. Contract employees, retirees, and volunteers are not eligible to enroll in FEHB.</p>
<h2><a href="/healthcare-insurance/tribal-employers/reference-materials/tribal-handbook.pdf" class="PDF" data-filesize="2.49 MB">Family Member Eligibility</a></h2>
<ul>
<li>Spouse</li>
<li>Children under age 26</li>
<li>Includes:
<ul>
<li>Married children</li>
<li>Adopted children</li>
<li>Stepchildren</li>
<li>Foster Children (as long as all requirements are met)</li>
</ul>
</li>
</ul>
<h2>Family Members not Eligible</h2>
<ul>
<li>Grandchildren, unless foster child requirements are met</li>
<li>Parents</li>
<li>Siblings</li>
<li>In-laws</li>
</ul>


                    


                </div>
                </section>
                <section class="tab-content" title="Enrollment">
                        <h1>Enrollment</h1>
                                    <div class="ContentBody">



                    <p>When a tribal employer chooses to participate in the Federal Employees Health Benefits (FEHB) Program, the Initial Enrollment Opportunity occurs. It is the time period for eligible tribal employees to enroll in the FEHB Program. Please check with your tribal employer to see if they have elected to participate in FEHB and if they have, when your Initial Enrollment Opportunity occurs.</p>
<p><b>During the annual FEHB Open Season</b>, which is held mid-November through mid-December, anyone eligible to participate in the FEHB Program may enroll, change health plans or options, cancel FEHB enrollment, and change participation in <a title="Premium Conversion" href="#">premium conversion</a> (waive or begin participation). If the tribe, tribal organization or urban Indian organization participates in premium conversion, employees may change their premium conversion status.</p>
<p><b>Outside of Open Season</b>, newly eligible employees may enroll within 60 days of their becoming eligible for the FEHB program, members who move outside of the area covered by their HMO may enroll in a different FEHB plan covering their new location. OPM may announce special enrollment opportunities affecting members of specific plans only. There are also a <a title="Changes You Can Make Outside of Open Season" href="/healthcare-insurance/healthcare/plan-information/changes-you-can-make-outside-of-open-season/">number of other circumstances</a> (qualifying life events) which can make you eligible to enroll or change your FEHB coverage outside of Open Season.</p>
<h2>Instructions for Making an Open Season Enrollment Change</h2>
<ul>
<li><a title="enrollment form 2809 employee guidance" class="PDF" href="/healthcare-insurance/tribal-employers/reference-materials/enrollment-form-2809-employee-guidance.pdf" data-filesize="53.95 KB">Enrollment Form (SF2809) Employee Guidance</a></li>
<li><a title="sf2809" class="PDF" href="/forms/pdf_fill/sf2809.pdf" data-filesize="1.46 MB">Enrollment Form (SF 2809)</a></li>
<li><a title="Changes You Can Make Outside of Open Season" href="/healthcare-insurance/healthcare/plan-information/changes-you-can-make-outside-of-open-season/">What Changes Employees Can Make Outside of Open Season</a></li>
</ul>
<p>To make any of these changes, employees can submit <a title="sf2809" class="PDF" href="/forms/pdf_fill/sf2809.pdf" data-filesize="1.46 MB">Standard Form 2809, Employee Health Benefits Election Form</a> to your Human Resources Office.</p>


                    


                </div>
                </section>
                <section class="tab-content" title="Initial Enrollment">
                        <h1>Initial Enrollment Opportunity</h1>
                                    <div class="ContentBody">



                    <p>When a tribal employer chooses to participate in the Federal Employees Health Benefits (FEHB) Program their eligible tribal employees must elect to either enroll, or not enroll in the FEHB Program. This is called the Initial Enrollment Opportunity. Please check with your tribal employer for the dates of your Initial Enrollment Opportunity.</p>
<h2>Frequently Asked Questions</h2>
<ul class="FAQList Wide">
<li class="first">
<div class="Question"><a name="2"></a><a class="FAQLink" href="javascript:void(0)">Am I eligible to enroll?</a> <a class="ViewMore" href="/">View more</a></div>
<div class="Answer">
<p>Tribal employees who are considered common law employees and meet FEHB requirements for the type of employment are eligible to enroll in FEHB. Check with your tribal employer to see if you are eligible to enroll.</p>
<p>For details on the common law standard, please see pages <a class="PDF Leaving" href="http://www.irs.gov/pub/irs-utl/x-26-07.pdf">two through five</a>.</p>
<p>Contract employees, tribal retirees, and volunteers are not eligible to enroll in FEHB.</p>
</div>
</li>
<li>
<div class="Question"><a name="3"></a><a class="FAQLink" href="javascript:void(0)">When is the Initial Enrollment Opportunity?</a> <a class="ViewMore" href="/">View more</a></div>
<div class="Answer">
<p>Please contact your tribal employer for the specific date of when your Initial Enrollment Opportunity begins.</p>
</div>
</li>
<li>
<div class="Question"><a name="4"></a><a class="FAQLink" href="javascript:void(0)">How long is the Initial Enrollment Opportunity?</a> <a class="ViewMore" href="/">View more</a></div>
<div class="Answer">
<p>Please contact your tribal employer for the specific dates or the specific time period of your Initial Enrollment Opportunity.</p>
</div>
</li>
<li>
<div class="Question"><a name="5"></a><a class="FAQLink" href="javascript:void(0)">Why is the Initial Enrollment Opportunity important to me?</a> <a class="ViewMore" href="/">View more</a></div>
<div class="Answer">
<p>It is your opportunity to enroll in an FEHB health plan. You cannot enroll in the FEHB Program at any other time unless it is during the annual open season (approximately mid-November through mid-December each year) or if you experience a <a title="Changes You Can Make Outside of Open Season" href="/healthcare-insurance/healthcare/plan-information/changes-you-can-make-outside-of-open-season/">Qualifying Life Event</a>.</p>
</div>
</li>
<li>
<div class="Question"><a name="6"></a><a class="FAQLink" href="javascript:void(0)">What types of plans does the FEHB Program offer?</a> <a class="ViewMore" href="/">View more</a></div>
<div class="Answer">
<p>Two types of plans are available:</p>
<ul>
<li>Fee-for Service plans</li>
<li>Health Maintenance Organizations (HMO)</li>
</ul>
<p>Both types offer several plan designs and options such as a point-of-service product, high deductible, and consumer-driven options.</p>
<p>For more information on each type of plan, please view the <a title="Plan Information" href="/healthcare-insurance/tribal-employers/plan-information/">Plan Information</a> tool.</p>
</div>
</li>
<li>
<div class="Question"><a name="7"></a><a class="FAQLink" href="javascript:void(0)">What happens if I do nothing during the Initial Enrollment Opportunity?</a> <a class="ViewMore" href="/">View more</a></div>
<div class="Answer">
<ul>
<li>You will not have FEHB health insurance coverage.</li>
<li>You will not be able to enroll in an FEHB health plan until the annual open season (approximately mid-November through mid-December each year) or if you experience a <a title="Changes You Can Make Outside of Open Season" href="/healthcare-insurance/healthcare/plan-information/changes-you-can-make-outside-of-open-season/">Qualifying Life Event</a>.</li>
</ul>
</div>
</li>
<li>
<div class="Question"><a name="8"></a><a class="FAQLink" href="javascript:void(0)">What is the effective date of my health insurance coverage for the Initial Enrollment Opportunity?</a> <a class="ViewMore" href="/">View more</a></div>
<div class="Answer">
<p>Please contact your tribal employer for the specific effective date of when your health insurance coverage will begin. Generally, the effective date of coverage should be the first day of the month following the end of the Initial Enrollment Opportunity.</p>
</div>
</li>
<li>
<div class="Question"><a name="9"></a><a class="FAQLink" href="javascript:void(0)">How much does FEHB cost?</a> <a class="ViewMore" href="/">View more</a></div>
<div class="Answer">
<p>Your costs include both your share of premiums and out-of-pocket expenses. Premium information can be found on the<a href="https://www.opm.gov/healthcare-insurance/tribal-employers/benefits-premiums/" target="_blank"> tribal rates page</a>. You can view information on both premiums and your out-of-pocket costs in the <a title="2016 Plan Information" href="https://www.opm.gov/healthcare-insurance/healthcare/plan-information/" target="_blank">2016 FEHB brochures</a>. Tribal employers are expected to provide an employer contribution to premium that is the same as the Government contribution for Federal employees. A tribal employer may pay more than the Government contribution amount, but not less.</p>
</div>
</li>
<li>
<div class="Question"><a name="10"></a><a class="FAQLink" href="javascript:void(0)">How do I enroll during the initial enrollment opportunity?</a> <a class="ViewMore" href="/">View more</a></div>
<div class="Answer">
<p>Complete and submit a Standard Form 2809, <a title="sf2809" class="PDF" href="/forms/pdf_fill/sf2809.pdf" data-filesize="1.46 MB">Employee Health Benefits Election Form</a> to your tribal employer. For information on how to fill out the SF 2809, please visit the <a title="enrollment form 2809 employee guidance" class="PDF" href="/healthcare-insurance/tribal-employers/reference-materials/enrollment-form-2809-employee-guidance.pdf" data-filesize="258.5 KB">SF 2809 Guidance for Tribal Employees</a>.</p>
</div>
</li>
<li>
<div class="Question"><a name="11"></a><a class="FAQLink" href="javascript:void(0)">Where can I get details on the plan choices available to me?</a> <a class="ViewMore" href="/">View more</a></div>
<div class="Answer">
<p>You can find information on:</p>
<ul>
<li><a title="Plan Information" href="/healthcare-insurance/tribal-employers/plan-information/">Benefits in the individual health plan brochures</a></li>
<li><a title="Plan Comparison Tool" href="https://www.opm.gov/healthcare-insurance/healthcare/plan-information/compare-plans/" target="_blank">Plan Comparison Tool  </a>Compare the FEHB plans available to you based on your zip code. See premium rates, selected benefits, health plan consumer satisfaction survey results, and links to other health plan quality indicators</li>
</ul>
</div>
</li>
<li>
<div class="Question"><a name="12"></a><a class="FAQLink" href="javascript:void(0)">Where can I find the health plan brochures?</a> <a class="ViewMore" href="/">View more</a></div>
<div class="Answer">
<p>The FEHB <a title="Plan Information" href="/healthcare-insurance/tribal-employers/plan-information/">health plan brochures</a> are available. In this tool, you'll see a map of the United States. When you click on a state, three charts will appear showing all available plans in the state with links to their health plan brochures. Simply find the plan that interests you and click the link to its brochure.</p>
</div>
</li>
<li>
<div class="Question"><a name="13"></a><a class="FAQLink" href="javascript:void(0)">What can help me make decisions during my Initial Enrollment Opportunity?</a> <a class="ViewMore" href="/">View more</a></div>
<div class="Answer">
<p>Several items can help you choose an FEHB plan that best meets your needs:</p>
<p>To compare plan benefits and out-of-pockets costs:</p>
<ul>
<li><a title="Compare Health Plans" href="/healthcare-insurance/healthcare/plan-information/compare-plans/">OPM Plan Comparison Tool</a></li>
<li><a title="selecting a health plan during the initial enrollment opportunity for tribal employees" class="PDF" href="/healthcare-insurance/fastfacts/selecting-a-health-plan-during-the-initial-enrollment-opportunity-for-tribal-employees.pdf" data-filesize="389.53 KB">FastFacts: How to Choose a Health Plan</a></li>
<li><a title="quickguide" class="PDF" href="/healthcare-insurance/tribal-employers/health-insurance/quickguide.pdf" data-filesize="254.63 KB">Quick Guide</a></li>
<li><a title="Plan Information" href="/healthcare-insurance/tribal-employers/plan-information/">Health Plan Brochures</a></li>
</ul>
<p>For a full list of resources see the Initial Enrollment Opportunity Resources.</p>
</div>
</li>
<li class="last">
<div class="Question"><a name="14"></a><a class="FAQLink" href="javascript:void(0)">Where can I go for assistance or answers to my questions?</a> <a class="ViewMore" href="/">View more</a></div>
<div class="Answer">
<p><a name="QUESTIONS"></a>If you need assistance or have a question, contact your human resources office. Your tribal employer should provide you with contact information.</p>
</div>
</li>
</ul>
<p></p>
<h2><a name="EnrollmentResources"></a>Resources</h2>
<p>The following resources will provide guidance as to what coverage and premiums best suits your needs.</p>
<ul>
<li><a title="fehb-tribal-employees" class="PDF" href="/healthcare-insurance/fastfacts/fehb-tribal-employees.pdf" data-filesize="38.46 KB">Tribal FastFacts: Intro to FEHB</a>
<p>This FastFact provides an overview to the FEHB Program with frequently asked questions</p>
</li>
<li><a title="selecting a health plan during the initial enrollment opportunity for tribal employees" class="PDF" href="/healthcare-insurance/fastfacts/selecting-a-health-plan-during-the-initial-enrollment-opportunity-for-tribal-employees.pdf" data-filesize="389.53 KB">Tribal FastFacts: Choosing a Plan</a>
<p>This FastFact provides questions you should consider before selecting a health plan.</p>
</li>
<li><a title="tribal-employees-health" class="PDF" href="/healthcare-insurance/fastfacts/tribal-employees-health.pdf" data-filesize="127.2 KB">Tribal FastFacts: FEHB for New/Newly Eligible Tribal Employees</a>
<p>This FastFact provides an overview to the FEHB Program to New/Newly Eligible Tribal Employees</p>
</li>
<li>
<p><a title="quickguide" class="PDF" href="/healthcare-insurance/tribal-employers/health-insurance/quickguide.pdf" data-filesize="254.63 KB">Quick Guide</a>The Quick Guide provides answers to over 30 commonly asked questions about the FEHB Program.</p>
</li>
<li>2016 Premiums
<p>You can find the monthly premiums, the total premiums, and the minimum amount your tribal employer must pay for each health plan. Be sure to check with your tribal employer as the rates listed reflect the maximum amount you will be required to pay. Some tribal employers may choose to pay a larger portion of your premiums (up to 100 percent).</p>
</li>
<li><a title="sf2809" class="PDF" href="/forms/pdf_fill/sf2809.pdf" data-filesize="1.46 MB">Enrollment Form (SF 2809)</a>
<p>To enroll during your Initial Enrollment Opportunity, complete and submit the Health Benefits Election Form to your tribal employer.</p>
</li>
<li><a title="Plan Information" href="/healthcare-insurance/tribal-employers/plan-information/">Health Plan Brochures</a>
<p>Health plan brochures provide a wealth of information including the listing of covered services, benefits, and premiums.</p>
</li>
<li><a title="Compare Health Plans" href="/healthcare-insurance/healthcare/plan-information/compare-plans/">Compare Health Plans</a>
<p>OPM's health plan comparison tool.</p>
</li>
</ul>


                    


                </div>
                </section>


				


                <div class="grid-col-12">
                    
                
                    <div class="generic-content-page__blocks">
  
                    </div>
                </div>






			</div>
        </section>
    
                </div>
            </div>
        </div>
    </main>

	
    
	



	<footer class="usa-footer usa-footer--basic">
		<div class="grid-container">
			<div class="grid-row usa-footer__container">
				<nav class="usa-footer__nav" aria-label="Footer navigation">
					<ul class="grid-row grid-gap">
						<li class="usa-footer__primary-content">
							<a class="usa-footer__primary-link" href="/about-us/">About OPM</a>
						</li>
						<li class="usa-footer__primary-content">
							<a class="usa-footer__primary-link"
							   href="/information-management/freedom-of-information-act/">FOIA</a>
						</li>
						<li class="usa-footer__primary-content">
							<a class="usa-footer__primary-link"
							   href="/information-management/no-fear-act/">No FEAR Act</a>
						</li>
						<li class="usa-footer__primary-content">
							<a class="usa-footer__primary-link" href="/our-inspector-general/">
								Inspector General
							</a>
						</li>
						<li class="usa-footer__primary-content">
							<a class="usa-footer__primary-link"
							   href="/information-management/privacy-policy/">Privacy policy</a>
						</li>
						<li class="usa-footer__primary-content">
							<a class="usa-footer__primary-link"
							   href="/leaving/index.aspx?link=https://www.usa.gov/">USA.gov</a>
						</li>
						<li class="usa-footer__primary-content">
							<a class="usa-footer__primary-link"
							   href="/information-management/accessibility/">Accessibility</a>
						</li>
					</ul>
				</nav>
				<div class="usa-footer__logo grid-row">
					<img class="usa-footer__logo-img" src="/cdn/img/opm-uswds/opm_logo_white.svg" alt="OPM" aria-hidden="true">
				</div>
			</div>
		</div>
	</footer>

	<div id="ControlPanelTab">
		<a class="cpTab" href="#">Control Panel</a>
	</div>
	<div id="PageBannerContainer" role="alert"></div>
	<script type="text/javascript" src="/cdn/js/uswds.min.js"></script>

<script src="/cdn/js/core/core.standard.libs.js?v=20191104" type="text/javascript" ></script>
<script src="/cdn/js/opm-uswds/core.standard.js?v=20230221" type="text/javascript" ></script>
<script src="/js/core/webmethods.js" type="text/javascript" ></script>

		<script src="https://touchpoints.app.cloud.gov/touchpoints/20a76b6d.js" async></script>
		<style type="text/css">
			/* fix visibility of X */
			.fba-modal-close {
				right: 15px !important;
			}
		</style>

		
    
	




</body>
</html>