Switching from self-only to self and family


Q. As a federal worker, I am carrying a family plan for health insurance. My child ages out this year. I am eligible to retire next year. My spouse is eligible for his own plan at a private company, but it will not follow him into retirement. We would save money carrying two self-only plans. If I switch to a self-only plan and then retire, will I be able to switch back to a family plan when spouse retires in seven years?

A. Yes, 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 fedexperts@federaltimes.com.

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