Affordable Care Act vs. FEHB


Q. I will have 20 years of congressional employment as of Jan. 23, 2014. I will be 60 years old three months earlier, in October. It is my understanding that members and congressional personal staff will be forced into Affordable Care Act health coverage as of Jan. 1, 2014. Can I retire Dec. 31 and keep my Federal Employees Health Benefits? How will this affect my FERS annuity?

A. If you retire as a FERS-covered employee, you would be entitled to a FERS annuity. And if you have five consecutive years under the FEHB program and retired before the Affordable Care Act is implemented, you would be able to carry that coverage into retirement. Neither of those entitlements could be altered by legislation that becomes effective after you retire.


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Reg Jones was head of retirement and insurance policy at the Office of Personnel Management. Email your retirement-related questions to

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