Health insurance ALWAYS rises. The government still pays the same percentage of the health insurance cost (about 75%, I think), but the employee/retiree pays the increase in the other 25%. My cost for health insurance for me and my wife will be going up about $40 a month next year.

Retiree COLAs are a different calculation, and vary depending on whether you’re CSRS or FERS (CSRS is usually 1% higher - for 2024, it will be 3.2% vs 2.2% for FERS).