Switching from self-only to self and family

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

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