FEHB in retirement

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Q. My husband and I have always been enrolled in the FEHB Program. I plan to retire at the age of 60. My husband will continue to work until he is 62. We are both 54 years old. Will we both be covered when I retire? Can he continue on my insurance? If so, how much does the insurance go up?

A. As long as you are enrolled in the FEHB Program for the five consecutive years before you retire, that coverage will continue. As long as your husband was covered under either the Self Plus One or Self and Family option, he will also continue to be covered. As for your premiums, they will stay the same unless you are a U.S. Postal Service employee. If you are, they will go up. You can find the rates for non-Postal Service and Postal Service retirees at https://www.opm.gov/healthcare-insurance/healthcare/plan-information/premiums.

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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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