If you're a federal employee and the only thing you look at during Open Season is the FEHB premium, you might be missing the bigger picture. The "cheapest" plan on paper often becomes the most expensive plan in real life once you add deductibles, coinsurance, prescriptions, and a bad health year into the mix. In this episode of Confident Federal Retirement, Tom Poltersdorf, CFP®, walks you through a simple way to compare FEHB options based on total cost, risk, and your stage of life instead of just this month's paycheck.

You'll learn how to think in three buckets (fixed cost, variable cost, and maximum risk), what changes in low, average, and high‑usage health years, when an HDHP + HSA can be powerful and when it's a headache, and why your doctors, hospitals, and Medicare coordination near age 65 all matter.

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When you're ready for one‑on‑one help, visit https://gtwealthguide.com/federal-blueprint to request your free Federal Retirement Blueprint.

We'll map out your federal benefits, TSP, Social Security, and tax plan on one page so you can retire from federal service without guessing.