The problem with the OPM health insurance is that employees must subscribe at hire, or prove that they have insurance through a spouse, else they cannot re-enter the program. If it were opened up for all there would be the problem of adverse selection actuarily(sp?).
When we require everyone to have health insurance I have no problem with the program, as a separately rated pool, be offered. In all honesty, without the employer's contribution, it is very expensive. A married couple pay more than two individuals because family coverage is intended to cover children as well.
As a married retiree with medicare Kaiser's insurance through OPM is much more expensive than the comparable Kaiser Medicare + for two persons offered to my community. Go figure.