Q. If a newly married couple has no children, can they enroll in self-only plans rather than the family plan if only one is a federal retiree? This seems an unfair expense for seniors to pay the high rate of a family plan when it’s only coverage for the two of them.
A. Unless your wife is a federal employee or retiree, she can only receive benefits through your self-and-family enrollment. She has no independent entitlement to coverage.