FEHB coverage

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Q. My husband and I are both retired from the Postal Service under CSRS. Each of us has carried Self Only coverage through FEHB continuously during our working years and throughout retirement. Since these premiums continue to rise, one of the plans for 2018 is cheaper for us to go with Self Plus One. If we switch to Self Plus One for 2018 because of the price, then can we each go back to Self Only in 2019 open season?

Second question: If he passes away while he has carried me under his Self Plus One, can I immediately go back to my Self Only? I am sure that if I pass away first, he is able to drop me and go back to Self Only (since he would have been the main carrier covering me).

A. The answer is to both questions is yes.

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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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