Health insurance premiums


Q. I work for the FDIC. I have Blue Cross/Blue Shield Standard Option (Code 104) individual coverage. Currently, I pay a small premium, biweekly, of approximately $60. FDIC pays the rest. According to the 2013 nonpostal rate chart, the total monthly premium is $599, broken down between government $413 and employee $186. Evidently, the FDIC is subsidizing part of my premium because my biweekly withholding is only $60. When I retire, will I be required to pay the entire premium of $599 per month?

A. When you retire, you will pay the same premiums as all other federal retirees do.


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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

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