Ready for Open Season

Tammy Flanagan
Nov 14, 2025
3 min read

Insurance Decisions Consultations | RetireFederal.com

Retire Federal specializes in federal retirement benefits and planning. Retire Federal offers personal fee-for-service consulting for civilian federal employees and retirees during the annual insurance open season.

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Your Open Season Guide

Here are the resources you need to navigate this year's Open Season for FEHB/PSHB, FEDVIP and FSAFEDS!

Navigate FEHB, FEDVIP, and FSAFEDS with confidence using our expert guidance.

As a federal retiree, your FEHB options are slightly different. Understand how your FEHB plan integrates with Medicare and other benefits.

One on One Consultations

Confused about Medicare and FEHB? One ofour insurance experts can help!

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NARFE Webinars are here!

New webinars for the 2025 Open Season are now available!

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Virtual Open Season

Tammy Flanagan presents webinars on Open Season readiness and Medicare A, B, C, and D.

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Consumers' Checkbook Guide to Federal Health Plans - 2025 Open Season Edition

Tammy Flanagan presents webinars on Open Season readiness and Medicare A, B, C, and D.

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As an annuitant, you have specific instructions for navigating the Open Season for FEHB, FEDVIP, and FSAFEDS. This section outlines the key steps and resources available to you.

Review Your Current Coverage

Before making any changes, carefully review your current FEHB, FEDVIP, and FSAFEDS plans to understand your existing benefits and costs.

Explore Available Options

Visit the OPM website to explore the various health, dental, and vision plans available to you during Open Season.

Understanding Your FEHB Options as an Annuitant

Understanding Annuitant, chairs for relaxing on beach

OPM Open Season Instructions for Annuitants

Changing FEHB Plans During Open Season as an Annuitant

Open season runs from November 10, 2025 – December 8, 2025 to make changes to FEHB plans for 2026. Changes will be effective January 1, 2026 for annuitants.

1. If you are an annuitant and have a CSA# (Civil Service Annuitant Number), and you have access to OPM Services Online (you have established a login ID and password), use the following link to access FEHB Open Season Online:

https://retireefehb.opm.gov/Annuitant/

As of November 10th, when you login to Retiree FEHB Open Season Online,
See Sign in or Register with LOGIN.GOV
After entering your 8-digit CSA# and your last-four SSN, you should see information showing your current plan details.
Next, see a button/link to click to Change Plan.
You will need the ability to login, and you will need the three-character code of the new FEHB plan for which you are changing to.

2. If you are unable to login to OPM Services Online, but you know your CSA# (Civil Service Annuitant Number), you can call the OPM FEHB Open Season Express Number, 800-332-9798.

YOU MUST HAVE YOUR CSA# to use this option to make your change and you need the three-character code of the new FEHB plan for which you are changing to.

This number will be live as of November 10, 2025.

We recommend you call earlier in the day (8:00 AM ET) to avoid long hold times.

3. If you do not know your CSA# (Civil Service Annuitant Number), or your retirement is pending adjudication and you have not received your CSA# from OPM, you can mail (certified mail with return receipt requested) Form OPM-2809, Health Benefits Election Form (for Annuitants, Survivor Annuitants, and Former Spouses).

The current/correct version of this form is APRIL 2025.

We advise you to submit the form to OPM earlier in the Open Season period rather than later.

On Part-H of the form, it notes to send the completed form to:

U.S. Office of Personnel Management

Retirement Services

Washington, D.C. 20415

You can find the form at WWW.OPM.GOV/FORMS

Click on the left side, OPM Forms

Click on OPM 2809

Or use the following link:

https://www.opm.gov/forms/pdf_fill/opm2809.pdf

You can view any/all FEHB Plan Brochures by using the following link (copy/paste):