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This proposed rule adds additional flexibility to the Federal Employees Health Benefits (FEHB) Program so that all carriers will be able to offer three plan options, one of which may be a High Deductible plan option. Employee Organization and Comprehensive Medical plans already have this flexibility. In the past not all carriers could offer more than two options. This change will level the playing field in terms of options offered to Federal employees, annuitants and their eligible family members. This action is necessary to promote a competitive environment where carriers have incentive to offer higher quality benefits at affordable prices and broader provider networks. This regulation fully aligns with the Administration’s goal of promoting affordable health plan choices.