Larry Humphreys, a retired Federal Emergency Management Agency worker in Moultrie, Georgia, says he and his wife won’t be traveling much next year after their monthly health insurance premium payment increases more than 40%, to $938.

Humphreys, 68, feels betrayed by the Federal Employees Health Benefits Program. “As federal employees, we sacrificed good salaries in the private sector because we thought the benefits from government would be better now, in retirement,” he said.

As the nation’s largest employer-sponsored health insurance program, the FEHB Program covers more than 8.2 million federal government employees and retirees, and it was once celebrated as a national model for controlling costs while giving enrollees many health plan options.

But next year, average enrollee premium

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