Q. I am retired with spouse and three children under age 25 and one under 18. My HMO that I have been with for 25 years is pulling out of our area. I have moderate medical needs. Which plans generally provide better coverage for someone in my circumstances?
A. You are asking a question that no outsider can answer. You’ll have to go to www.opm.gov/healthcare-insurance/healthcare/plan-information, click on your state, and review the available plans in you service area.