Retirement and health benefits


Q. If I retire at age 60 with 25 years of federal service, how will it affect my federal medical health benefits? Will I still be eligible for benefits to continue under the FEHB and will my benefit costs remain the same amount as if was working?

A. As long as you were enrolled in the FEHB program for the five consecutive years before you retired, you could carry that coverage into retirement. Unless you were an employee of the U.S. Postal Service, your premiums would be the same as a retiree as they were when you were employed. Postal Service employees pay more when they retire because they lose the subsidy gained though collective bargaining.


About Author

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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