Affordable Care Act and spouse FEHB coverage


Q. Our family is covered under my retired husband’s Federal Employees Health Benefits plan. I have a health plan available through my work (but am not enrolled in the plan), but will not have that option available upon my retirement. Under the Affordable Care Act, will I lose my eligibility to my husband’s FEHB?  Would I be eligible again for FEHB if I no longer have access through my employment (unemployed or retired)?

A. The ACA won’t have any effect on your husband being able to add you to his FEHB plan coverage by switching from self-only to a self-and-family enrollment during any open season. Or, he can switch from self-only to self-and-family coverage from 31 days before through 60 days after you lose your coverage.


About Author

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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