Health insurance premium and going part time


Q. I have 12 years of full-time employment and am MRA +10. Instead of retiring outright, I was thinking of going to half-time for a year or two. I understand my share of health insurance premiums will go up dramatically while I am employed part-time, but what will happen when I finally retire? Will my share go back to the full-time amount, or will I continue to pay the extra half? This is a major part of my decision to stay on because my pension would barely cover the increased amount.

A. When you retire, you’ll pay the same premiums as all other retirees. The fact that you were once a part-time employee won’t have any effect on that.


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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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