Co-Founder, TermInsuranceBrokers.com, Goldenzweig Financial Group, Las Vegas, Nevada
Government employees generally get their health insurance from the FEHB program (Federal Employee Health Benefits) rather than buying health insurance through the health insurance exchanges or a group plan through the private sector. The programs are structured in a similar manner to health plans available to private-industry workers - e.g. networks for plans can be structured with an HMO, PPO, Fee-for-service, etc. and feature deductibles, coinsurance, HSAs, HRAs, etc.
Manager, Marindependent Insurance Services LLC, California
Here is a good article on the subject of Congress's own health insurance by FactCheck.org: Health Care for Members of Congress?
http://www.factcheck.org/2009/08/health-care-for-members-of-congress/
According to the article:
"Members of Congress have good health insurance by any standard, but it’s not free and not reserved only for them – and it’s not government insurance. House and Senate members are allowed to purchase private health insurance offered through the Federal Employees Health Benefits Program, which covers more than 8 million other federal employees, retirees and their families."
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http://www.factcheck.org/2009/08/health-care-for-members-of-congress/
According to the article:
"Members of Congress have good health insurance by any standard, but it’s not free and not reserved only for them – and it’s not government insurance. House and Senate members are allowed to purchase private health insurance offered through the Federal Employees Health Benefits Program, which covers more than 8 million other federal employees, retirees and their families."
This article was written in 2009.