Health care in retirement


Q. My wife works in private industry and has her own heath plan. My wife will lose her heath care when she retires. I have a single coverage heath plan as a federal employee.  I’ve had the coverage for more than five years. If I retire, can I change from single to family coverage?  Or, do I have to be under a family plan for five years prior to retirement to have family coverage in retirement?

A. Yes, you can change from self to self and family during any open season.


About Author

Reg Jones was head of retirement and insurance policy at the Office of Personnel Management. Email your retirement-related questions to

Leave A Reply