GEHA and the five-year rule


Q. I am a Defense Department employee. I have Government Employees Health Association insurance. I plan to retire in five years at 62 years of age and seven years of service with the federal government. Can I continue GEHA into retirement, or can I switch to another company? Do my premiums remain the same as active government employees?

A. If you are continuously enrolled in the Federal Employees Health Benefits program for the five years before you retire, you can carry that coverage into retirement. Your premiums will remain the same as those for employees, unless you are a Postal Service retiree. By union contract, Postal Service employees pay less than other employees. You can change the plan you are currently enrolled in to another during any open season.


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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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