Insurance plans for couples


Q. My husband works for private industry and is covered under his company’s group health plan, which is Blue Cross/Blue Shield. I am a federal employee and have been covered under the FEHB by GEHA for over 30- years. May I change to the FEHB’s Blue Cross/Blue Shield during open season even if my husband is covered under the same health insurance company? Would that be like a married couple having two separate Blue Cross/Blue Shield policies with separate deductibles, or can both my husband and I be carried under each other’s Blue Cross/Blue Shield plan?

A. You may change to the Self Only option of any FEHB plan, regardless of what your husband has through a private employer. The only way that you and your husband can be covered by the same plan and avoid having separate deductibles is for one of you to be enrolled in a single plan. If you want to retain your FEHB enrollment, you could be cover him under the new Self Plus One option.



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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