Find out what you need to know about the 2025 benefits changes before enrolling in or changing your benefits this year.

CareFirst CDHP Plan: DC Government employees and their eligible family members can choose the CareFirst CDHP plan, which offers low premiums but higher deductibles and out-of-pocket limits. This allows pre-tax spending on healthcare services, providing more control over expenses. Often paired with a Health Savings Account (HSA), CDHPs enable informed healthcare choices and tax-free savings for medical costs. Please see the CareFirst CDHP Health Plan Summary for more details.
 

457(b) Deferred Compensation Retirement Plan Contribution Limits: The 2025 elective deferral limit for 457(b) plans is $23,500. The 2025 Age 50 Catch-Up Limit is $7,500 ($31,000 total), and the Pre-Retirement Catch-Up Limit is $23,500 ($47,000 total). Deductions start with the pay period that begins on December 15, 2024.
 

Health Care FSA Contribution Limit: The 2025 pre-tax contribution limit for Health Care Flexible Spending Accounts (HCFSA) is $3,300. Deductions start with the pay period that begins on December 15, 2024.
 

Commuter Benefit Contribution Limit: The 2025 maximum monthly pre-tax contribution limit for mass transit and parking is $325. Deductions start with the pay period that begins on December 15, 2024.
 

Health Savings Account Contribution Limit: For participants enrolling in the Aetna CDHP or CareFirst CDHP with HSA, the 2025 pre-tax contribution limit for Health Savings Accounts (HSA) is $4,300 for individual coverage and $8,550 for family coverage. Please visit the respective CDHP (Aetna or CareFirst) plan pages for more information. Deductions start with the pay period that begins on December 15, 2024.

 

DCHR will have Hybrid Open Enrollment Benefits Fairs this year. We will host a total of 14 events with 8 onsite fairs and 6 days of virtual sessions. Join the in-person fair and webinars for the latest benefit updates and personalized expert guidance to align your choices with your unique needs.

All unused funds from 2024 for Commuter Benefits (Transit & Parking) Flexible Spending Accounts will roll over into 2025.
Account balances and access will be uninterrupted. 
 

PLEASE NOTE:

If you need a Flexible Spending Account (FSA) for 2025, you must re-enroll with a new annual pledge every year for healthcare and dependent care programs as current annual pledges do not carry forward into the new plan year.
 

Important rollover limits for the plan year 2025

Plan	Contribution Limits	Rollover Limits
Health Care Flexible Spending Account	Maximum Annual Contribution: $3,300	Maximum: $660
Dependent Care Flexible Account	Maximum Annual Contribution: $5,000	Unused funds will be forfeited
Commuter Benefits Program(Transit & Parking)	Maximum Monthly Contribution: $325	All unused funds rollover to next plan year

For more information on Flexible Spending Accounts, please click HERE.
 

For additional plan resources and details, please visit our Open Enrollment 2025 On-Demand Resources page.

ALEX® is an interactive tool that will ask you a few questions about your health care needs, crunch some numbers, and educate you about the plans that best fit your personal and family needs. It's that easy!
Get started with Alex now..

Take a Sneak Peek at Your 2025 Benefits with Alex Now

How long does it take go through ALEX?

Going through the entire ALEX experience and clicking every possible button can take about 30 minutes or so, but the actual duration of your experience will depend on your needs. Most users spend about 7 minutes with the tool. Also, you can always save your place in ALEX and return later simply by providing your email address.

2025 Medical Premium Costs for Employees Hired Before October 1987

Please visit the US Office of Personnel Management (OPM) Health Care Plan Information page for 2025 medical premiums. In addition to the biweekly and monthly premiums, you can also find the total premiums, the amount the government pays, and the change in your portion of the premium compared to last year.

If you are updating your Federal Employee Health Benefits (FEHB), please complete Standard Form SF-2809 and email to [email protected].

 

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2025 Medical Premium Costs for Employees Hired On or After October 1, 1987*

Aetna CDHP with HSA

► View Aetna CDHP HSA Health Plan Summary

Aetna HMO

► View Aetna HMO Open Health Plan Summary

Aetna PPO

► View Aetna PPO Health Plan Summary

For more information, please visit the Aetna DC Government Microsite.
 

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CareFirst CDHP

► View Carefirst CDHP Summary

CareFirst HMO

► View Carefirst HMO Summary

CareFirst PPO

► View Carefirst PPO Summary

For more information, please visit the Carefirst DC Government Microsite.
 

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Kaiser Permanente HMO

► View Kaiser Permanente Plan Summary

For more information, please visit the Kaiser Permanente DC Government Microsite or contact Kaiser Permanente Member Services.
 

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UnitedHealthcare Choice Open Access HMO

► View UnitedHealthcare Choice Open Access HMO Plan Summary

UnitedHealthcare Choice Plus PPO

► View UnitedHealthcare Choice Plus PPO Plan Summary

For more information, please visit the UnitedHealthcare DC Government Microsite or contact UnitedHealthcare Member Services.
 

In the event the plan rates listed here do not match the provider's listed rates, always default to the rates listed with the provider.
Click here for 2024 rates.

2025 Vision Plan

Vision coverage is available at no cost to eligible employees. DC Government pays 100 percent of the premium. For more information, please see the Vision Summary Plan Description or visit the VSP Vision Care Microsite.
 

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2025 Dental Plan

Cigna Dental HMO: The District pays for 100 percent of the premium costs for the DHMO benefit.
For more information, please see the Cigna Dental HMO Patient Charge Schedule.

Cigna Dental PPO: For more information, please see the Cigna DPPO Summary.

2025 Cigna DPPO Premium Rates