Switching from self-only to self and family


Q. As a federal worker, I am carrying a family plan for health insurance. My child ages out this year. I am eligible to retire next year. My spouse is eligible for his own plan at a private company, but it will not follow him into retirement. We would save money carrying two self-only plans. If I switch to a self-only plan and then retire, will I be able to switch back to a family plan when spouse retires in seven years?

A. Yes, during any open season.


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  1. It should also be mentioned that if the writer should die after his or her retirement and the survivor was not already covered under a family health plan the survivor would not be able to enroll after their own retirement.

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