The overall average increase in rates for FEHB for 2025 is 11.2% and the overall average increase in rates for PSHB for 2025 is 6.9%. Cost drivers of our Programs generally align with those in the commercial market. For 2025, these drivers include price increases by providers and suppliers, increased utilization of specialty medications and certain prescription drugs (such as weight loss drugs), increased utilization of outpatient services, and behavioral health care spending.