The percentage of your salary that you contribute towards your health insurance will depend on the health plan you select and your current pay grade. Generally, when you are enrolled in the Federal Employee Health Benefits (FEHB) Program, most enrollees pay approximately 25% - 30% of the total premium cost. This amount can vary according to the health plan you select, the number of family members you are covering, and the benefits selected within the plan.
You will need to review the health plan details for each plan — compare benefits and cost. How much you will pay for health insurance depends on the plan you choose and the number of family members you want to cover. Your cost will also depend on whether you are enrolled in self-only or self and family coverage.
The federal government pays the remaining 70% - 75% of the total premium cost. Keep in mind that contributions to health insurance premiums are subject to income tax as part of a salary deduction.
Also keep in mind that if you choose to contribute to a Flexible Spending Account (FSA) for eligible health care expenses, the amount contributed to the FSA is deducted from gross pay before taxes. Deductions for flexible spending accounts are NOT subject to federal income tax, Social Security, or Medicare taxes.